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wedding ring insurance

Wedding Ring Insurance

A wedding ring is forever. It’s a display of your bond and your love, but it’s also an investment. The average American will spend approximate $5,600 on a wedding ring! Both engagement rings and wedding rings can be worth quite a bit of money. You will want to protect your rings just in case something happens to them. Once you purchase a wedding ring or an engagement ring, you should look into Jewelry Insurance.


What is Jewelry Insurance?

Jewelry Insurance is an add-on to your homeowners insurance policy. It helps to protect your jewelry in the event of a loss of theft. While your home insurance may cover the contents of your home, sometimes valuables and jewelry are not included in the policy. Especially if they are particularly valuable, your jewelry may not be protected. Talking to your insurance agent is the best way to figure out how to best protect your investments.


How Does Jewelry Insurance Work?

Jewelry Insurance helps to make sure that your wedding rings are protected for their full value and are not subject to your home insurance coverage limits. And, if you file a claim for your wedding rings, then you are not subject to a deductible. You may want to think about getting your rings appraised, especially if they are of high value. Keep in mind that an appraisal should be in the past 3 years. Your wedding rings are a lifelong investment and it may be one of the more expensive purchases you make. Having insurance can help with that.


Wedding Insurance

Your wedding day is a big event. Though the ring is one prominent aspect of the big day, there are a lot of other things to think about. Talk to your insurance agent about liquor liability if you plan on serving alcohol. Or consider getting special event insurance. You may want to consider extra liability insurance if you are hosting the wedding at your home. Learn more about insurance for your wedding here.


This wedding season be prepared for whatever happens. You never know exactly what is going to happen. Insurance is there for when things do not go to plan. Accidents happen, even when your wedding is meticulously planned. Your wedding ring is just one aspect to think about. Thankfully, there is insurance just in case! Talk to your insurance agent about insuring your wedding rings and engagement ring. You can also ask about getting insurance for other aspects of your wedding.


Call Encharter at 888.754.8299 to talk about insurance for your wedding ring.

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