Education
Diamond Education
- Lab Diamonds
- History Of Lab Grown Diamonds
- Lab Diamond Shapes
- Lab Diamonds
- Lab Diamond Ring Guide
- Lab Diamond Carat Guide
- Lab Diamonds Color Guide
- Lab Diamond Shape Guide
- Lab Diamond Size Guide
- Lab Diamond Cut Guide
- Lab Diamond Jewelry Guide
- Lab Diamonds vs Moissanite
- Lab Diamonds vs. Real Diamonds
- Lab Grown Diamond vs. Cubic Zirconia
- Lab Diamonds vs. White Sapphires
- Lab Diamonds
- Diamond 4 C's
- Diamond Buying Guide
- Answers to 1 Carat Diamond Questions
- Your Guide to Buying a Diamond Online
- How to Pick the Right Diamond
- Diamond Buying Mistakes
- Real vs. Fake Diamonds
- Lab Diamond Buying Guide
- 10 Most FAQ - Diamonds
- Off Size Diamonds Guide
- Popular Diamond Cuts
- Price of a 2 Carat Diamond
- Top FAQ - Lab Diamonds
- What Is the Average Diamond Size in Engagement Rings?
- Diamond Carat
- Diamond Clarity
- IF Diamonds
- FL Diamonds
- Diamond Inclusions Guide
- Flawless vs Internally Flawless
- Which Diamond Clarity Is Best?
- VS2 vs VS1: Diamond Clarity Comparison
- VVS2 vs VVS1: Diamond Clarity Comparison
- SI2 vs SI1: Diamond Clarity Comparison
- SI1 vs VS2: Diamond Clarity Comparison
- VS1 vs VVS2: Diamond Clarity Comparison
- Accent Diamond Clarity
- Lab Diamond Clarity
- SI Diamonds
- VS Diamonds
- VVS Diamonds
- Diamond Color
- Diamond Cut
- Diamond Cut Types
- Ideal Cut Diamonds
- Hearts and Arrows Diamonds
- What is Diamond Depth
- Diamond Table
- Lab Diamond Cut
- Antique Cut Diamonds
- Brilliant Cut Diamonds
- Rose Cut Diamonds
- What Is The Most Expensive Diamond Cut?
- What Are Step Cut Diamonds?
- Diamond Bow Ties
- How Are Diamonds Cut
- Diamond Brilliance
- Spread Diamonds
- Diamond Fire
- Crushed Ice Diamonds
- Diamond Shape
- Lab Diamond Shape
- Asscher
- Cushion
- Emerald
- Marquise
- Oval
- Pear
- Princess
- Radiant
- Round
- Which Diamond Cut Is Best?
- Round vs Princess Diamond Cut
- Round vs Cushion Diamond Cut
- Cushion vs Princess Diamonds
- Cushion vs Oval Cut Diamonds
- Emerald vs Asscher Cut Diamond
- Princess vs Marquis Diamonds
- Princess vs Radiant Cut Diamonds
- Cushion vs Asscher Cut Diamonds
- Emerald vs Radiant Cut Diamonds
- Oval vs Marquise Cut Diamonds
- Oval vs Pear Cut Diamonds
- Pear vs Marquise Cut Diamonds
- Emerald vs Cushion Cut Diamonds
- Elongated Cushion Cut Diamonds
- Diamond Certification
- Diamond Fluorescence
- How Diamonds Are Formed
- Diamond Pricing
- Diamond Size Chart Carat & MM
- Diamond Symmetry
- Diamond Polish
- Diamond Girdle
- Diamond Culet
- Engraved Rings
- Fancy Colored Diamonds
- Loose Diamonds
- History Of Lab Grown Diamonds
- Natural vs Synthetic Diamonds
- Diamond Sourcing
- NY Diamond District
- Diamond Certification
- A Guide to Accent Diamonds
Engagement Ring Education
- How To Buy Engagement Rings
- Affordable Engagement Rings
- Cost of a One Carat Diamond
- How To Buy A Lab Diamond Ring
- How to Buy An Engagement Ring In a Time Crunch
- How to Choose An Engagement Ring
- How to Pick Your Engagement Ring Budget
- Engagement Rings For Second Marriage
- Best Time to Buy An Engagement Ring
- How to Buy An Engagement Ring As a Couple
- Everything You Need to Know About Dainty Engagement Rings
- Future Mother In Law's Guide to Engagement Ring Shopping
- Engagement Ring Financing
- Why You Need an Engagement Ring Appraisal
- Best Round Cut Engagement Rings
- Best Square Cut Engagement Ring
- Top Teardrop Engagement Rings
- Best Asscher Cut Engagement Rings
- Best Oval Cut Engagement Rings
- Best Radiant Cut Engagement Rings
- Best Marquise Cut Engagement Rings
- Twisting Rings
- Best Emerald Cut Engagement Rings
- Best Cushion Cut Engagement Rings
- Best Dainty Engagement Rings
- Best Unique Engagement Rings
- Best Traditional Diamond Engagement Rings
- Best Split Shank Diamond Engagement Rings
- Top 10 Square Halo Engagement Rings
- Top 10 Unusual Engagement Rings
- Black Diamond Engagement Rings
- Edwardian Engagement Rings
- Antique Style Engagement Rings
- Nature Inspired Engagement Ring
- Filigree Rings
- Art Deco Rings
- Wide Band Engagement Rings
- Infinity Engagement Rings
- Best Two Tone Diamond Engagement Rings
- Victorian Style Engagement Rings
- Minimalistic Engagement Rings
- Big Style Engagement Rings
- Cute Style Engagement Rings
- Modern Style Engagement Rings
- Past Present and Future Rings
- Thin Engagement Rings
- Pretty Style Engagement Rings
- Double Band Engagement Rings
- 1 Carat Diamond Ring
- Top Princess Cut Halo Engagement Rings
- Top Cushion Cut Halo Engagement Rings
- Top Women's Rose Gold Engagement Rings
- Top Round Halo Engagement Rings
- Top Sapphire and Diamond Engagement Rings
- Top East West Engagement Rings
- Top Pave Engagement Rings
- Top Split Shank Halo Engagement Rings
- Top Unique Halo Engagement Rings
- Rose Gold Pear Shaped Engagement Rings
- Top Yellow Gold Pear Shaped Engagement Rings
- Top Oval Halo Engagement Rings
- Top Cushion Halo Engagement Rings
- Top Yellow Gold Engagement Rings
- Top Marquise Halo Engagement Rings
- Top Yellow Gold Cushion Cut Engagement Rings
- Top Emerald Cut Three Stone Engagement Rings
- Top Bypass Engagement Rings
- Top Rose Gold Cushion Cut Engagement Rings
- Top Rose Gold Oval Engagement Rings
- Top Emerald Cut Halo Engagement Rings
- Top Yellow Gold Oval Engagement Rings
- Top Rose Gold Emerald Cut Engagement Rings
- Top Oval Three Stone Engagement Rings
- Top Floating Diamond Engagement Rings
- Top Cushion Cut Three Stone Engagement Rings
- Top Princess Cut Three Stone Engagement Rings
- Top Simple Engagement Rings
- Vintage Style Engagement Rings
- Types of Accent Diamonds
- Everything You Need to Know Before Setting Diamonds
- Engagement Ring Prong Guide
- All About Ring Resizing
- Identifying Your Ring After A Repair
- Everything You Need to Know About Milgrain
- Everything You Need to Know About Wide Band Engagement Rings
- Eternity Rings vs Infinity Rings
- When To Propose
- What Are Baguette Diamond Engagement Rings
- What to Say When You Propose
- What Are the Groom's Parents Responsible For?
Gemstone Education
Jewelry Education
- Jewelry Buying Guide
- How To Buy Jewelry Online
- Diamond: 10th Anniversary Gifts
- Ruby: 40th Anniversary Gemstone & Jewelry
- Sapphire: 5th Anniversary Gemstone & Jewelry
- Top 10 Sapphire Earrings
- Emerald: 20th Anniversary Gemstone & Jewelry
- Top 10 Push Presents
- How To Shop For Christmas Jewelry Gifts
- How To Buy An Anniversary Band
Metal Education

Engagement Ring Insurance
When talking about engagements, weddings, and true love, nothing is less exciting than mentioning insurance. As unromantic as it sounds, engagement ring insurance can be one of the most beneficial investments any young couple can make. After all, it is better to be safe than sorry when it comes to such a large and important purchase!
As far as methods to insure engagement rings go, there are several different options depending on what works the best for each individual couple. Some choose to go the extension route; this type of insurance builds into your homeowner or renters policy. Although most items in household are insured, the full value is never insured. Companies can only guarantee insurance up to a certain dollar amount. With an extension on items of large value, purchasing insurance will guarantee the coverage of those specific items. Sentimental items as well as items of high monetary value are both common extensions on insurance policies.
While the homeowners insurance extension is a popular choice, some couples choose to go right to the source. An engagement ring insurance company may offer insurance where it might even replace the lost or stolen ring instead of just paying for how much the ring is worth. While there is no “best” engagement ring insurance, any insurance is good insurance.
Most engaged couples may think that insuring their engagement ring is ridiculous because they could never lose something of such sentimental value, but let’s face it. Engagement rings get lost or stolen more than we would like to admit. Whether the ring was inherited through generations or was purchased brand new through a jewelry store, having insurance guarantees the ring can be replaced.
How to Insure Engagement Ring
The biggest question a couple may have is how to insure an engagement ring. As with most other insurance, the couple will need to provide proofs of payment (a receipt) and an appraisal. This appraisal will cost money, but in the case of a lost engagement ring, the small fee is worth the protection. An appraisal has to be done by a certified gemologist who will give the buyer an accurate estimation of the ring’s worth. When purchasing ring insurance, it is important to make sure that the policy is moved to the house of the newlyweds after the wedding. Many couples forget to move the policy from their parent’s house or from a house they will no longer live in because of all of the chaos of a wedding ceremony. Ring insurance without an accurate policy defeats the purpose of the insurance.
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How to Choose An Insurance Policy
Before choosing an insurance policy, it is important to ask the stipulations for replacing the ring . Will the ring be replaced if it is lost accidentally or only if it is stolen or lost in some sort of household disaster? If the biggest worry is losing the ring, this first question is essential. Additionally, the couple may want to ask how the ring will be replaced. Then, the couple must determine if it is important to have the ring replaced or if a check for the value will be sufficient. To further discover all of the conditions, a couple may ask if there are any circumstances in which the insurance company will not replace the ring. With this question, the couple can discover the specifics so they are not blindsided later when the ring gets lost.
How Much Is Engagement Ring Insurance
On average, it costs one or two dollars for every 100 dollars the ring is worth to pay for insurance for the year. These costs may vary if the couple lives in an area with higher theft rates. Although insurance is one of the only ways to prevent a great deal of loss concerning the engagement ring, it is suggested that couples keep their rings in a safe when they are not wearing them. Doing this in addition to the insurance, the likelihood of losing the ring lowers immensely.
Key Tips When Choosing Insurance
As with any insurance company, the fine print is important. Couples should seek out a company willing to pay for any situations out of the couple’s control, and if the company is really good, it will pay for situations in which the ring gets lost or damaged from an accident on the part of the wearer.
As unromantic as it sounds, engagement ring insurance is a necessity to prevent a great loss in sentimental and financial value for a lost ring. When getting married, the last thing a couple should have to worry about is whether or not they can get their rings replaced. Spending the extra time to seek out a good insurance company can make a hectic wedding day a little less stressful and a good marriage even better.
At With Clarity, we’re well versed in the before, and after of engagement rings. If you have any additional questions about your engagement ring insurance or purchase, please feel free to ask and we’re happy to help.
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