Engagement rings are valuable items, both often in monetary terms but especially in sentimental terms. An engagement ring is ideally a ring you want to wear for the rest of your life, and it is a symbol of that special love that you both share. Obviously, it wouldn’t mean the end of your relationship (hopefully!) if something were to happen to your ring, but it would be very upsetting all the same. Plus, if your fiancé or husband, or even you, were then to repair or replace your ring, the result would be rather expensive too.
There is a way of protecting diamond engagement rings, however, and that is with insurance. Just as you would insure other valuable items, such as your home, car, phone or laptop, you can insure your diamond rings too. In many instances, you will be able to add your ring to your home contents insurance policy, or it will be covered under valuables. This will usually insure your ring against damage or theft from your home only.
What this doesn’t take into account, however, is what might happen to your ring outside of the home. If you remove your ring frequently, for example while training at the gym, there is a greater chance that it may get lost, stolen or damage. To ensure that it is protected both in and out of the home, consider taking out a policy specifically to cover your diamond ring. For what you will have to pay for the policy, the peace of mind of knowing that your ring is protected will be invaluable.
If you’re a man who has recently bought a beautiful diamond engagement ring, consider taking out insurance for it before you even propose – who knows what might happen to it before the ring makes it onto her finger!
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