Chicago Wedding Ring Insurance Pros and Cons

An eternal symbol of love, the wedding ring is a treasured heirloom that can be passed on to your children and their children for use in proposals and marriages. Insurance on your wedding rings can be a good step to take when wedding planning, but is it necessary?

Here are some pros and cons we found to purchasing wedding ring insurance.


Protection in Case of Loss

If you live in an area where thefts are high or you fear you may lose your wedding rings in the future, preparing with insurance on the property is a good way to protect the items. Having protection from theft can bring you peace of mind.

You may also find that insurance is a good investment in case your jewelry settings break or have problems down the road. While your ring might sparkle with brilliance today, you might need to fix or replace it later. Ring insurance can help with the cost of repairs.

Enhanced Coverage beyond Warranty

Some couples think the warranty on their ring purchase will be enough to cover the costs associated with replacing or repairing the ring. However, most warranties have an expiration date and may only cover some, not all, costs of replacement. Read the fine print on your warranty and seriously consider ring insurance if you desire additional protection.


Can be Costly

If you bought less expensive rings and plan to update them in the future with an anniversary band or a new set altogether, ring insurance might not be necessary. However, if you truly made an investment in the jewelry, getting insurance for it can bring peace of mind.

May Attract Scammers

One possible problem to researching for wedding ring insurance is having scam companies approach you about insuring your ring. While their deals may be attempting, it is always a good idea to be wary and research the company providing insurance.

Check their credentials and read reviews online before considering any offerings you receive via mail, email or solicitation at your door. If something about the company does not seem right, go with your gut and look for protection elsewhere.

Some other tips to consider when protecting your important items, like jewelry, include:

  • Keep important documents in a safe place, such as a safety deposit box or vault
  • Put jewelry in a locked or keyed entry safe when not worn
  • Do not share the value or appraisal of your jewelry with anyone

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