No matter whether you purchase a diamond engagement ring, earrings, a necklace or any other piece of diamond jewelry, insuring your Hearts On Fire jewelry is a wise idea.
After making an investment (in both time and emotion), you will feel much better knowing that you are protected in case your jewelry is ever lost, stolen or damaged.
In order to properly insure your jewelry, make sure that you receive a retail replacement valuation for your purchase (included with every online Hearts On Fire diamond purchase). If you have homeowner’s insurance, you should then immediately send this form to your insurance company. Your insurer will add a rider to your existing homeowner’s policy and charge you annually an amount based on the retail replacement value.