No matter what diamond engagement ring you choose, you're spending a good amount of money. And more so, you're investing a lot of time and emotion into this piece of diamond jewelry. So obviously, you want to protect it.
Insuring any piece of diamond jewelry is a very wise idea, especially your engagement ring. If your diamond jewelry is ever lost, stolen or damaged you'll have (at least a little) peace of mind that you are protected.
When you purchase your ring, make sure that you provided (if you are not, you should request) a retail replacement valuation (included with every online Hearts On Fire diamond purchase). Send this immediately to the insurance company that provides your homeowner's insurance – we would recommend doing so before you even pop the question. They will add a rider to your existing policy and charge you annually an amount based on the retail replacement value.
If you do not have homeowners insurance we suggest protecting your diamond by purchasing Perfect Circle® Jewelry Insurance coverage from Jewelers Mutual Insurance Company (www.PerfectCircleInsurance.com).