Should you insure your engagement ring?

If you want your engagement ring to adorn your hand forever, you should pay attention to cases where you should leave this precious piece at home or stored in a box. Especially today, when diamonds and quality gold or platinum are not worn by every fiancée, but various other materials and stones come to the fore, it is necessary to pay attention to their proper maintenance and avoid situations that harm all rings equally. So when do situations arise where it is better not to use your ring? Take a look at it with us.


In this case, there are several reasons. The first is that in water or when creaming, your ring will slip off your finger more easily and you can lose it forever (we know that some brides do not even forget to insure the ring, but the fact that the insurance company will reimburse you does not mean that it will be returned to you and its emotional value).

However, in addition to the loss of water, your ring may be damaged or scratched by sand, clogged or coated with sunscreen. And speaking of sunscreen, even such a tanned white ring on a finger can be fun in itself.


In addition to the fact that it is definitely uncomfortable to have any decoration on your finger when you sweat and exercise on various machines, you can also damage your ring. Various heavy tools that pass through your hands in the gym cannot only scrape it, but also bend it. This is the most dangerous for rings decorated with peacock stones, because they can also fall off. If you do various contact sports, you also risk your own (or someone else’s) injuries if you can hit someone with the Oval Moissanite Engagement Rings and its protruding parts.


As with sunscreens, you use many hair, face or skin cleansers in the shower or bath, all of which pass through your hands. All of these cosmetics can cause your stone to become cloudy or, worse, flow under the stone, which will be much more difficult to clean.

The same goes for taking care of your body and various creams, body lotions or decorative cosmetics. Of course, another deterrent is that many of the metals from which Affordable Moissanite Rings are made are subject to corrosion or blackening or other reactions associated with frequent dipping.

Tips from Jewelers Mutual: Should You Insure Your Engagement Ring ...

Spa in the pool or in the wellness

Of course, it’s a nice rest, but not for your ring. It is not as likely that you will lose it in a swimming pool or spa after falling from your finger, as in the case of the sea or a lake, but chlorine or other chemicals that maintain the pH level in the norm, for example, can permanently damage your ring.

Cleaning anything

Car wash over the weekend! Cleaning the oven? Shower bleaching? Be sure to take off your engagement ring. This is especially important if your ring has a colored gemstone, as chemicals can erode the surface and change its color. In addition to being an obstacle, it can also damage the surface you are cleaning, for example such a scratch on a new car would probably not be welcomed by your fiancé.

Baking or cooking

Such hands from the dough and the ring completely covered with this substance. A nightmare, as you say, not to mention strenuous cleaning and the subsequent impact on this piece of jewelry. Likewise, working with meat or other foods is not suitable for wearing a ring. Take it only when serving food, when it will be safe and you can be proud of it again.


You may shake your head now, but many women do not sleep peacefully at night, but roll over in various ways and also move their hands. If you don’t hurt yourself with the ring because such a scratching of the face is not much, you can pretty well hurt your fiancé sleeping on the other side of the bed. And, of course, the ring can come loose at night and fall into place.

So what? Do you think you have known all this for a long time and you would never do such a thing? You’d be surprised how many fiancées wear their rings all the time and on purpose – because they want to keep it on forever, as when their fiancé asked them for a hand, because he sees it as a great symbol. However, it must be said that even this symbol has its lifespan, and if they do not take proper care of the ring, they will one day have to put it down from their hands.

Perhaps the most beautiful situation when you remove the ring from your hand, even if anything, is childbirth (in the case of many women the pregnancy itself, because the fingers usually swell), and believe it or not, suddenly a symbol.

The term “valuables” encompasses many types of objects and goods. Works of art, collection books and even antique furniture are among them. Jewels are considered precious objects. Jewels made of precious metal; those composed of precious stones as well as branded jewels are found under this term.

How to insure your jewelry and valuables?

Always be vigilant about your hiding places and do not mention your absences on social networks. Certain places are more particularly to be avoided: parental bedroom, living room, office, and bathroom. While others seem cleverer: under a sink in a waterproof bag or behind a refrigerator. However, no hiding place is guaranteed, and Hi Fi equipment is visible. It is therefore advisable to consider the installation of recognized and dissuasive safety devices.

Armored door, safe, surveillance camera, alarm system: various devices make it possible to protect precious goods and valuables from theft and burglary. Deterrent, they are intended to delay the break-in and to discourage the perpetrator.

These valuable goods remain exposed to other risks such as fire or water damage. It is therefore recommended to take out multi-risk home insurance adapted to the real value of your property. Finally, remember to photograph your valuables and possessions. Keep and scan, when possible, invoices that will justify their presence and value. To go further in the protection process, have them appraised to confirm their value and have a precise inventory.

Which insurance to choose?

Multi-risk home insurance protects the property of the house, including jewelry. The amount covered in the event of a claim or theft is however limited. To guarantee them at their fair value, there is a specific jewelry or valuables guarantee. Several scenarios and formulas:

  • The insured person is responsible for estimating the value of the goods and declares them to his insurance company. In this case it is a “declared value” contract
  • Or the insurer mandates an expert to obtain the fairest amount. We then speak of a contract with “approved value”

What are the steps in the event of theft of jewelry or valuables?

If you notice a theft from your home:

  • Do not touch anything and immediately call 17 or 112.
  • File a complaint using the inventory of your goods.
  • Report the theft to your insurer as soon as possible by sending proof of the stolen items.