How can I insure my wedding ring?

A wedding ring is usually a symbol of everlasting love and dedication to the one you love. If something were to happen to it, you should be prepared. A wedding ring is more than just a piece of jewelry - it is much more than that.

In order to make sure that your wedding ring will be properly protected, check your insurance policy and see if the coverage in it will be able to protect your wedding ring if it is stolen.

If your homeowners policy won't cover the ring (it usually doesn't), then you might want to purchase a floater or a stand-alone policy. By purchasing either one of those, you will be sure that your ring is protected.

A floater will provide you with a certain amount of coverage if something happens to your ring. However, before purchasing a floater you should have your ring based on its appraised bale. The insurance company will pay the appraised amount in case anything happens to your ring.  

A stand-only policy is a special type of policy that protects valuable items. If you purchase either one of these coverages (either a floater or a stand-only policy), you will still need to have your ring appraised by a certified jeweler.

To avoid your ring being lost or stolen, you might want to know how to take care of it. Here are some tips that will help you keep your ring safe:

• Be careful not to lose your ring when swimming, washing dishes, etc...

• Don't leave your ring by the sink when washing your hands because it can easily go down the drain

• Always put your ring in the same place where you left it before

• Have a jeweler check your ring for loose prongs, worn mountings, etc...

• When cleaning or doing other household chores, make sure that you know where your ring is. Also, when doing household chores, leave your ring in a safe place because the chemicals might damage its condition.

• If you lose or gain weight over time, take the ring to the jeweler to see whether he can tighten or loosen the ring

• Make sure that you take excellent care of it and pick one place for it to always be at