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5 Essential Steps to Insuring Your Jewelry Before Your Honeymoon

The wedding is over, the cake has been cut, and you are finally ready to jet off to your honeymoon. Whether you are headed to a tropical beach, a bustling European city, or a quiet mountain cabin, your wedding rings are coming with you. However, travel is statistically the most common time for jewelry to be lost, stolen, or damaged. Between taking rings off to apply sunscreen, luggage handling, and navigating unfamiliar crowded areas, the risk factors skyrocket the moment you leave your front door. You shouldn't have to spend your first vacation as a married couple worrying about your jewelry. To ensure you can relax and focus on the memories, follow these five essential steps to secure your rings before you head to the airport. 1. Obtain a Recent Professional Appraisal You cannot insure an item if you cannot prove its value. While your sales receipt shows what you paid, an appraisal provides a technical description that an insurance company needs to replace the item accurately. T...
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How Much Is Wedding Ring Insurance? A Breakdown of Annual Costs and Premiums

You’ve found the perfect ring, and now it’s time to make sure it stays protected. Whether you are wearing a vintage heirloom or a modern diamond masterpiece, understanding the financial side of protection is the next big step. The most common question couples ask after the proposal is: "Exactly how much is this going to cost me every year?" The good news is that securing a specialized policy is often much more affordable than people expect. While the sentimental value of your ring is priceless, the cost to insure it is based on very specific, logical factors. Let’s pull back the curtain on jewelry insurance premiums so you can budget effectively and protect your investment without any surprises. The General Rule of Thumb: The 1% to 2% Rule For the vast majority of jewelry owners in the United States, the annual cost of wedding ring insurance falls between 1% and 2% of the ring's appraised value . Think of it as a small "maintenance fee" for your peace of mind. I...
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