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The moment that engagement ring slides onto your finger, you'll find yourself beaming with joy and radiating with pure and utter excitement over the beauty of your newest, and perhaps even, your most expensive piece of jewelry. Your engagement ring should be timeless and something you may decide to wear everyday for the rest of your life. Or it may be something you wear only on special occasions and store away in a safe place the rest of the time. Either way, making sure your ring is insured is something to add to your post-engagement to-do list. Before you start shopping for the right engagement ring insurance plan, here are four things you should know.
1. Check Out the Details Beforehand
Look over the engagement ring insurance policy closely and read any and all fine print. See if they exclude any situations (like theft or accidentally throwing it in the garbage) or if they have a term in there that only covers your ring for a certain amount of time. Before signing on the dotted line, make sure you fully understand the plan in front of you.
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2. Compare Different Insurance Plans
Many different companies offer plans, so before picking one, make sure you review a couple of options and pick the right one. You may spend a little bit more on a plan because it includes more coverage than another. Either way, pick a plan that's best for your budget and your future.
3. Ask "What If" Questions
Pick the brain of the insurance sales person and ask any questions that you have or run them through hypothetical situations. Ask them what kind of proof you would need to show that the ring vanished or how much they will cover the ring if It's lost or stolen.
4. Know Where to Start
Before you shop around, the first thing you'll need to do get your ring appraised. Once that's done and have a receipt for your ring, you can begin the insurance process!
Jen Glantz is a "Professional Bridesmaid" and the founder of Bridesmaid for Hire. She's the author of All My Friends Are Engaged and frequently wears old bridesmaid dresses to the grocery store and on first dates.