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Jewelry Blog: Jewelry Tips
How to Protect Your Jewelry
Nov-19-2007
Walking out of the jewelry store, little bag in hand, the buyer is generally a happy one. In the process of finding the perfect item, you have dodged pushy sales staff, negotiated the best deal, and you are confident that you won't have to think about jewelry for a while. Right? Not so fast. Are you covered if something happens to your precious little prize? Not as covered as you might think.


2.5mm Diamond Cut Rope Chain
Ideally, you buy jewelry to wear. But with the variety of bobbles out there, it is not realistic to think that you will wear every piece of your jewelry wardrobe at every moment of the day -- especially if you are a bit of a collector. You will need a safe place to store your gems until you wear them again and a jewelry box is ideal. As a jewelry fan myself, it stops my heart to hear when people store their jewelry on the bathroom counter top. Whether you have a few pieces or an entire collection, invest in a jewelry box. Not only will a jewelry box or an armoire keep your jewelry neat and tidy, it also serves a protective function. Many jewelry boxes and armoires come with hooks to hang your necklaces, which is the ideal condition to keep them from tangling and breaking. Likewise, most storage boxes will come with a sorter for rings to stand them up so as not to rub against each other, thereby preventing scratching. You'll find that whatever the variety, all jewelry boxes are lined with a soft fabric to prevent items from damage.

Unfortunately, if your house is ever broken into, an organized jewelry box is a thief's jackpot. You are far more protected if your home has a security system, but you can never assume that you are safe from a break-in. A serious jewelry collector will need to take additional steps to assure security. Consider buying a safe. A properly installed quality safe will not only protect your jewelry, but also your important papers from theft as well as fire or flood damage.

Even the best protection can go awry however, and there may be situations in which your jewelry is gone for good. Before such an event, you'll need insurance to re-coop the monetary value of pieces lost. What's that? You thought that little warrantee booklet containing important looking papers from the jewelry store protected you from loss? Nope, that's usually never the case. The warrantee given to you, or even purchased by you, at the jewelry store will only cover certain things such as a stone loss or crack, and even then, only if you've had the item inspected according to their guidelines. If an entire item is missing, you are most likely out in the cold.

Yeah, but I have home owner's insurance, so I'm covered, right? Not always. Every 3 diamond engagement ringhome owner's insurance policy is going to be different of course, but it is common that many insurance agencies only cover jewelry up to a certain dollar amount under a regular policy -- anything above that amount is not covered. If you are a jewelry collector or if you have one substantially costly item, such as an engagement ring, it is a very good idea to obtain a separate jewelry rider for your home owner's insurance. In  order to obtain this, you'll need receipts for your jewelry or an insurance replacement appraisal from your jeweler. If you don't have that, or if the pieces you need to cover are inherited, you can obtain an independent appraisal from a reputable appraiser which will cost anywhere from $30 on up. Once obtained, the average cost to maintain a jewelry insurance rider is approximately $1.30 per year for every $100 in jewelry value. Simply put, if you have a $5,000 engagement ring, it will cost you $65 per year to insure it. When you think about it, would you rather pay $65 a year to insure your ring, or another $5,000 to replace it if it's stolen?

The bottom line is this: when you buy jewelry, you'll want to keep it forever. Protect it from wear and tear, and most importantly, protect it from theft or loss. It's the best investment you can make.
Posted by Kim G at 5:34 PM - Link to this entry  Share this entry
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