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Diamond Ring Insurance And Beyond
There is much to think about when purchasing a diamond - especially diamond engagement ring! The traditions of presenting women with a diamond engagement ring when proposing started in 1477 when Archduke Maximilian giving a diamond ring to Mary of Burgundy - and in most cases, the girl you're planning to propose to expects a ring to accompany that proposal!
To start with, determine how much ring you could afford. Most people use '2 months salary" concept. Which means that the ring should cost roughly the same as two months of the current salary. Because you have other expenses to pay for, saving up this money may take quite a bit of time. You should consider financing. Go to the jeweler of your choice and let them know that you plan to buy an engagement ring, and the financing is going to be necessary. Proceed and get the credit check out of the way, learn what your payments will be, and just how much of a down payment is required.
After that, you'll need engagement ring insurance. It is a good idea to safeguard your diamond engagement ring's investment with engagement rings insurance. The cost of the policy is based on the full estimated value of the diamond ring and if the policy will appreciate with the value of the diamond ring. As jewelry typically gains value eventually, opting to buy insurance that appreciates with the ring is a good idea.
Placing a claim on diamond engagement ring insurance. In the case of loss, damage or theft to the ring, the holder of the policy will make an insurance claim. As with an insurance coverage claim for houses or cars, a report is made to the insurance company. It's investigated and the claim is paid straight to the policyholder.
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