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Buying the Engagement Ring: Always Buy The Insurance

September 25, 2012

Rule #4 for Buying the Engagement Ring: Always Buy Insurance

Normally the insurance packages that stores offer you are worthless. If you buy a washing machine, the chances of it breaking while it’s still covered under the optional insurance policy are quite small. And a large percentage of the repairs may actually cost you less than the plan does over time.

However, take it from someone who has seen diamonds disappear in the blink of an eye—jewelry insurance is a good idea. It doesn’t take much to bend a prong and most stones are so small that they can get lost in the carpet, in the sand, the pool, or just about anywhere else. Your wife is going to wearing this ring wherever she goes and the world can be a dangerous place for such a delicate thing.

You’ll want to make sure that repairs are covered but it’s also a good idea to make sure that there’s a stone replacement clause in your policy as well.