Diamonds Jewelry,Carat Jewelry,Pandora Jewelry

You might be surprised to learn that your homeowner's or renter's insurance policy probably does not offer full coverage for your engagement ring and other fine jewelry. Your insurance policy probably covers jewelry theft, but not loss that occurs for other reasons. Typical Insurance Policies Renter's and homeowner's insurance policies set limits for the loss of certain categories of personal property, including jewelry. Homeowner's policies typically pay a maximum of $1,000 for jewelry theft. A renter's insurance policy might have a lower limit for jewelry loss--$500 is common. Does your insurance policy cover jewelry loss for reasons other than theft--such as for lost or damaged items? Read your policy carefully and ask your insurance agent to clarify the types of losses that are covered on your standard policy. Additional Jewelry Insurance You can usually purchase additional insurance for your fine jewelry, but be sure to ask your agent questio...

Generally, a diamond ring especially an engagement ring indicates a woman is engaged to be married. Some of the European countries like United Kingdom – the women wear the engagement ring on their left hand’s ring finger. On the other hand, some other countries like Poland or Ukraine; the women wear the engagement ring on their right hand. Wedding rings are the ultimate sign of love. Different jewelry shops offer their exclusive designs and different price range. Also consumer can buy loose diamond and use it for custom make ring for his dearest one. Loose diamond comes with different cuts and shapes. The most popular diamond cuts are – princes cut, marquise cut and many more. But before buying the loose diamond – customer must check the certification of diamond like - HRD, GIA, IGI, AGS, and EGL etc… Do your homework . Read about the history of diamonds, their popularity in engagement rings in Western culture, and particularly about  blood diamonds . You also may want to k...

Stud earrings are the perfect Valentine’s Day gift for good reason: instead of giving the same old bouquet of roses and expensive dinner dates (how unoriginal!), diamond stud earrings represent a bold and unique fashion choice that is sure to delight your loved one. In fact, diamond stud earrings represent the best of both worlds. They’re not as expensive or as solemn as giving a diamond ring (unless you’re ready to get engaged, of course!), but they certainly let your loved one know that you’re head over heels for them. Looking for a gift for your mother or sister? That’s not a problem: diamond stud earrings represent a fantastic gift for any of the special ladies in your life. That’s one of the biggest advantages of diamond stud earrings; they’re gorgeous and romantic, yet flexible enough to be given as a gift within a more platonic relationship. If you’re looking to give the gift of diamond stud earrings this Valentine’s Day, here’s what you need to know to en...

In most traditional relationships, women expect their man to give them gifts of jewelry , and the men do so. Today, more women are paying special attention to giving jewelry to their men than ever before. Giving jewelry to your spouse or romantic partner has always been a popular gift. Often holidays like Christmas, anniversaries and Valentine’s Day prompt men to run to the jewelry store for something shiny and expensive. Imagine how much more valued this gift would be if given without a major holiday attached to it. Why not give your partner jewelry for no particular reason, other than love? Diamonds are always popular when it comes to choosing jewelry, other gemstones or simply silver and gold can be just as popular. You probably know that each month has a gemstone that represents it, and those gemstones each have a symbolic meaning. If you really want to blow your partner away, select your jewelry for it’s significance to a particular month (birthday or anniversary ...

If you have travel plans in your future, think carefully if you really need to take all your expensive jewelry. The risk of theft, loss and damage increases as soon as you start your trip because you are in new surroundings, doing new activities and often in tourist areas that are the target of pickpockets, thieves and con artists. If you are traveling out of the country, check to be sure your jewelry insurance covers your property when you are traveling outside the United States. Because the risk of theft is so much higher in foreign countries, some insurance companies only provide domestic coverage. To avoid inviting crime, plan to dress inconspicuously to blend into the environment, especially when in another country. When traveling internationally, consider taking and wearing no jewelry. Criminals assume all tourists are wealthy so if you choose to wear jewelry, turn rings around so the diamonds are not showing and avoid dangling earrings. Large, expensive-looking jewelry is an att...

Jewelry insurance comes in many forms and varieties and only an insurance agent can provide accurate and specific advice. However, it helps to know enough about jewelry insurance to ask your agent the right questions and to be aware of how the process works. The time to ask your insurance agent the questions is before you insure an item, not when you need to file a claim. Read the fine print in your insurance contract to be sure it provides the coverage you expect. Understanding jewelry insurance begins with recognizing the difference between scheduled and unscheduled property. Unscheduled property (jewelry not specifically listed) is typically included in basic homeowner or renter’s policies under blanket coverage. There is a usually a deductible (typically $500) and a maximum amount of coverage (typically $1500) although these amounts can vary with the specific policy. This type of coverage does not require an appraisal but sales receipts, written descriptions or photos are beneficia...