5 Ways To Protect Your Engagement Ring
An engagement ring is a big investment and, according to the old golden rule, may even have cost as much as two months’ salary (or more!). Protecting your engagement ring is, therefore, very important so you can protect the investment that was made. Not only that, but an engagement ring is also a symbol of your love and commitment and you want to make sure that symbol stays safe and secure.
So, how can you protect your engagement ring? Here are 5 easy tips.
- Guys, shop smart to buy a ring that is right for her lifestyle. Take note, guys. This is one of the best ways of protecting your girl’s ring from being damaged. If, for example, your girl works with her hands a lot, you may want a ring with a diamond that is set in more so it isn’t constantly getting caught on something.
- Take it off when you are doing certain activities. When you are showering, washing dishes, gardening or doing other things where it could fall off or get damaged, you’ll want to take the ring off. You may also want to think about taking it off during pregnancy since your fingers can swell up and you don’t want it to get stuck.
- Take it off when you are in a risky environment. If you are going somewhere where there is a chance you might be mugged, such as a more dangerous location outside the U.S. or an area where the neighborhood is bad, consider leaving your engagement ring at home.
- Keep it safe in your home. When you take your ring off in your house, especially if you are going to leave it off for long periods of time, you don’t want to just set it where thieves could find it. Usually, this means keeping the ring out of your jewelry box which is the first place that most crooks are going to look. There are all sorts of products designed to provide ingenious hiding places in your home, including mini in-wall safes that look just like a standard plug outlet but that open forward to provide a little compartment to store your jewelry in. Consider keeping your ring in one of these locations or someplace else where a thief is unlikely to look.
- Buy insurance. Many people believe that their homeowner’s insurance policies will cover their jewelry. The fact, however, is that this is not necessarily true. Most standard homeowner’s insurance policies place a cap on what jewelry they will cover. There is a very good chance that this cap is below the value of your engagement ring and that your ring is not covered. To avoid this problem and to make sure your ring is properly insured, you can add a rider to your existing insurance policy. Of course, if you don’t have homeowner’s insurance, your ring is also not covered. In these cases, you can still get a separate policy to cover your ring.
By following these five steps, you can help to ensure that you don’t damage your ring and that you reduce the risk of it being stolen. You’ll also be able to replace it with the insurance payout if the worst does occur.