07 Aug Caring For Your Wedding Jewelry
It seems that love is in the air! Why do we say that? Well, many couples have chosen to head to the altar this year. In some areas, more couples than last year. While wedding traditions and expectations continue to change each year, it seems that wedding jewelry is still a popular way to symbolically embrace marital bonds.
However, we often take for granted how important these precious pieces of jewelry are to us! Honestly, it’s hard to imagine just how heartbroken we would be if our wedding jewelry was to break, get lost, or even be stolen from us. Our stomach drops just thinking about it, so let’s take a moment to discuss how you can care for your jewelry so you have it for years to come.
Your daily activities can create a lot of wear and tear on your jewelry, and can also increase the likeliness that you might lose your jewelry. Take your jewelry off before you exercise, go swimming, or do any intensive cleaning that involves lots of water, soap, or other chemicals. Remember, never bring your precious jewelry to the pool or beach. Chlorine, salt, and sand can easily damage your jewelry and you increase the chance of losing your jewelry at these settings!
Regularly clean and maintain your jewelry. Always use professional cleaning cloths and the products recommended by your jeweler. If an item gets damaged, stop cleaning and put the jewelry away in a safe area until you can take it in for repairs. Inspect your jewelry for loose stones, scratches, or discoloration.
When you’re not wearing it, store your jewelry in a safe space, away from any extreme elements such as high or cold temperatures, household chemicals, or moisture. If you have a safe, we recommend that you use it to store your valuables. If not, make sure to store these valuables in another safe space.
We try our very best to protect the items that we hold most closely in our hearts, but a lifetime of memories means a lifetime of risks. How often have you lost an earring, a hairband, or even your favorite necktie? How often has a stone fallen out of a favorite bracelet? If your jewelry is lost, stolen, or accidentally broken, your homeowners policy will provide little to no coverage depending on how expensive the loss is and the manner in which the loss took place.
For example, if the diamond fell out of your ring or you lost the ring entirely, your homeowners policy would provide no coverage for those losses. However, if you schedule your valuable jewelry you have coverage for many more losses.
Scheduled jewelry provides coverage for:
- The appraised value of each item
- For all events, accidents, and unintentional damage
Your homeowners policy only provides coverage for:
- Up to $1,000 to $2,000 of losses
- This amount is not per item! If you have a loss for multiple items, this applies to the total of all lost items.
- If every piece of jewelry was stolen from your home, would $1,500 be enough coverage?
- Only applies to the named perils
- Any perils not listed in your policy will not apply.
- If the diamond fell out of your ring, your homeowner’s wouldn’t cover the loss.
- If your ring fell down, your homeowners wouldn’t cover the loss.
Wedding rings, engagement rings, and other precious jewelry deserve extra special care! Show your jewelry some love to keep them beautiful for a lifetime of memories! Sava Insurance Group can provide you with a free, no-obligation quote for home insurance and your precious jewelry.