Choosing the Perfect Ring
The wedding rings and engagement rings you choose will be one of the most enduring pieces of your wedding day. Your ring is not only a important element of becoming married, but its also a longlasting symbol of your love and commitment. Therefore, you'll want to choose rings that are timeless and high quality.
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Ultimately, you'll also want to be an educated consumer who knows what you're getting for your dollar.
Your homeowners/renters insurance policy won't cover your wedding ring if it is lost. However, it will probably cover your wedding ring to some extent if it is stolen. Keep in mind that you'll need to check your policy, since a coverage limit may apply for certain types of personal property (in this case, your ring). If you want to make sure that your wedding ring is covered for loss, or if the value of your wedding ring exceeds the coverage limits on your homeowners/renters insurance policy, you may want to look into purchasing either a floater or a stand-alone policy.
A floater provides you with a specific amount of coverage for your ring based on its appraised value. With a floater, the insurance company has the option of paying the appraised amount or replacing the ring. Keep in mind that more often than not, your insurer will replace the ring.
A stand-alone policy is a type of insurance that is specially designed to protect valuable items. If you purchase a floater or stand-alone policy, however, your insurance company will probably require you to have your ring appraised by a certified jeweler.
Finally, while you're at it, now may be a good time to review the adequacy of your insurance coverage for all of your valuable items (e.g., your engagement ring, china, silver, or crystal). If you need help finding out if your valuables are properly insured, contact your insurance agent or insurance company for more information.
When considering precious gems for a ring, remember that you will likely wear this ring every day for the rest of your life. Therefore, while softer stones can be beautiful, they aren't the best choices for an engagement or wedding ring. The Mohs scale registers a stone's ability to resist abrasion; 10 (diamonds) is the strongest and 1 (talc) is the weakest. Anything less than a Mohs scale 7 is not recommended for an engagement ring. If you are a person who does a lot of activity with their hands (how long does a manicure last on you?) then I would advise limiting your selection to rubies, sapphires and diamonds.
