Wedding Ideas

Purchasing a trio wedding ring set is a once-in-a-lifetime occasion for most people, and you will want to be sure that you get it right. If you purchase real, conflict-free diamonds from a reputable jeweler, then you are off to the right start. If you consider purchasing your trio wedding ring set from an online jeweler that offers affordable diamond cluster rings, then you are on the road to staying within a reasonable budget.

But one of the most important things to do to complete your trio wedding ring set purchase is to promptly protect your investment through your insurance company. Even if you have a safe place to keep your rings both before and after your engagement and wedding, even if you take proper care of your affordable diamond cluster rings, things happen. Even if you found a great price and made a smart purchase, it is likely to be a purchase that you don't want to repeat. So the best thing to do is consider the purchase incomplete until you have added the rings to your insurance policy.

It is usually quite easy to insure your rings with the company you already use for rental insurance, homeowners insurance, or car insurance, and you will often get a discount for having multiple policies with the same company.

Just call your insurance agent to make an appointment to bring in the trio wedding ring set along with all paperwork from your jeweler. It should be quick, easy, and inexpensive to get the policy started, and you could even do it before you pop the question, if you feel confident that your bride-to-be shares your taste in affordable diamond cluster rings and won't want to take advantage of the 30 day free return policy on trio wedding ring sets.

Photo credit: dansays

You and your fiancé picked out and purchased the trio wedding ring set of your dreams. You’re now married, and you take excellent care of your rings by cleaning them regularly and protecting them from damage. Your diamond cluster rings are an investment in your future together, and they are also a sound financial investment, as the gold and diamonds appreciate in value over the years of your marriage. Unfortunately, some couples don’t realize that they are not protecting this investment until it is too late. Are your rings well protected?

Most renters insurance or homeowners insurance policies do not automatically cover jewelry, so some couples find themselves out of luck if a ring is stolen or accidentally flushed down the toilet. Even if you got an excellent deal on your diamond cluster rings when you purchased them, you may not be able to afford to go out and replace them immediately if something happens to them. There is obviously no way to insure the sentimental value of your trio wedding ring set, but at least it is relatively easy to insure their financial value. Here’s how:

1. Get your rings appraised.

2. Call the insurance company that you use for renters insurance, homeowners insurance, or car insurance.

3. Ask your insurance agent to add a rider to your insurance policy for each ring.

4. Pay a small yearly fee (usually only about $1 per $100 replacement value, or $10 a year for a $1000 ring) to keep your ring insurance current.

5. Keep all receipts, appraisal paperwork, and insurance paperwork together in a safe place in case something ever happens to your trio wedding ring set.

6. Relax, knowing that you’ve made a smart financial decision and have done the best you can to protect your diamond cluster rings.

Photo Credit: ILoveButter