Sponsored by Jewelers Mutual
Congratulations if you just got engaged or are about to! Your engagement ring is going everywhere with you, from brunch pics to weekend adventures. But everyday life can be rough on even the shiniest rings. Scratches, snags, and little bumps? Totally normal. Simple steps make a big difference and give you peace of mind. Engagement season is all about memories, celebrations, and showing off your sparkle. With a few easy tips, you can wear your ring confidently, live your life fully, and make every moment ring-worthy.
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LIVING WITH YOUR ENGAGEMENT RING
WHAT YOU SHOULD KNOW
1. Rings are made to be worn, but life happens.
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Engagement rings are designed for everyday wear, but no piece of jewelry is indestructible.
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Normal activities like lifting weights, gardening, or even sleeping can cause wear overtime.
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Common issues include prongs loosening, small stones falling out, or the band bending. These are facts of life, not necessarily flaws in craftsmanship.
2. Know when to take your ring off.
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It’s smart to remove your ring during activities that put stress on your hands: working out, swimming, cleaning with harsh chemicals, or doing heavy lifting.
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That said, you shouldn’t have to worry constantly. Insurance gives you freedom to enjoy wearing your ring without second-guessing every move.
3. Social media tells the story.
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On social media, you’ll see countless stories of broken bands, missing stones, or rings slipping off in the water. These aren’t rare accidents—they happen more often than you’d think.
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Without insurance, couples face expensive, unexpected repair or replacement costs.
4. Get jewelry insurance early.
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Accidents don’t wait until after the honeymoon, rings have been lost on vacation, damaged at the gym, or snagged on sweaters within days or weeks of being worn.
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Securing insurance right after purchase ensures your ring is protected from day one.
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Dedicated jewelry insurance, such as a policy from Jewelers Mutual®, means that if something happens—loss, theft, damage, or disappearance—you’re covered.Have peace of mind knowing your ring is backed by over a century of expertise. If something happens, they’ll work with your jeweler of choice to repair or replace your ring with the same kind and quality as the original.You can focus on enjoying your engagement and the memories attached to your ring instead of the bumps and snags that may happen along the way.
The Jewelers Mutual difference
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Dedicated solely to jewelry, Jewelers Mutual understands the emotional and financial value of your ring. They are the experts since 1913.
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They make it easy to get coverage, file claims, and restore your ring so you can keep wearing it with confidence.
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In most cases, jewelry insurance costs about 1-2% of the value of ring per year. For example, if your engagement ring is worth $5,000, expect to pay $50-100 per year to insure it.
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To learn more about expert jewelry protection and to get a quote for affordable coverage, visit JewelersMutual.com.
How insurance works in practice
Appraisal: Typically, you’ll need an appraisal or detailed receipt from your jeweler to establish your ring’s value. This helps determine the right coverage amount.
Updates: Reappraisals every couple years ensure your coverage keeps pace with changes in market value.
Claims: Filing a claim is straightforward—you contact your insurer, provide details, and they guide you through the repair or replacement process with your trusted jeweler.
Insurance coverage is subject to underwriting review and approval, and to the actual policy terms and conditions. Any descriptions are a brief summary of coverage and are not part of any policies, nor a substitute for the actual policy language. Coverage options may vary by state and by product. Exclusions and limitations may apply. Insurance coverage is offered by a member insurer of the Jewelers Mutual Group, either Jewelers Mutual Insurance Company, SI (a stock insurer) or JM Specialty Insurance Company, or otherwise via other carriers through JM Insurance Agency Partners, Inc. Policyholders of Jewelers Mutual Insurance Company, SI and JM Specialty Insurance Company are members of Jewelers Mutual Holding Company.
