Author: Gregg Hall

If you have diamonds you will probably want them to be insured. You don’t want to find yourself in a situation where you have lost or damaged your diamond and cant get another one. Although a new diamond may not hold the same sentimental value as the original, it is still a good idea to have them insured.

When you purchase your diamond you may be offered a warranty at the jewelry store. You will want to see what this warranty covers exactly and how much it costs. Some warranties are offered at pretty reasonable prices, but you need be careful of what they cover. Some may require you to bring your diamonds in every so often to get them looked at, which is probably a good idea anyway. After your warranty is up on the ring you can usually purchase an even longer warranty at the jeweler.

Another smart way to go is to talk to insurance people directly. These people will know what the best type of coverage is. You may want to talk to more than one insurance person to see what different coverages are available to you and how much they will cost.

The first and most common type of coverage you can get is replacement value insurance. With this type of insurance you will get the diamond replace for what it is valued at now, not when you bought it. There is usually a limit to how much the insurance company will pay. The insurance company can usually replace the diamond for less than what you paid for it.

The next type of insurance is agreed value insurance. With this type of insurance you will get a check for an agreed upon amount, once you and the insurance company have agreed on how much the diamond is worth. This type of insurance is not very common.

The last type of insurance is actual cash value insurance. This is the best type of
insurance to have on your diamonds. This type of insurance will replace your diamond no matter what the cost. With this type of insurance it doesn’t matter how much you actually paid for the diamond, it will be replaced at whatever it costs at the time of the loss.

Different insurance companies offer different types of insurance so make sure you look around and get the insurance you need and want for your diamonds. If your homeowners insurance covers your diamond you need to find out how good this coverage is as well. If you lose your ring somewhere other than your home will your homeowners insurance still cover it?

Are you sure your diamonds are even covered under your homeowner’s policy? Some policies need to have amendments added to cover certain valuables such as diamonds. Whatever you do don’t just assume that your diamonds are covered, and don’t wait until something happens to them to find out. Do a little research and make sure you are covered with the proper insurance that you need.

Author: Gregg Hall

Many of us have diamonds or other jewelry that may need to be cleaned. Our day to day activities cause these items to become dirty and in need of some care. Lotion, soap, and skin oil can cause a film to appear on your jewelry. Even if you don’t wear your jewelry everyday it can gather dust in storage. Here are a few things you can do to keep your jewelry looking its best.

One of the things you can do at home is wash your jewelry in a bowl of soapy water. Make sure you use a mild soap as to not damage your jewelry. You will want to use a soft, small brush with the mixture to get all the build up off. The soft bristles will be gentle enough for your diamonds, but will still get the build up loose so that you can rinse it off. It is important that you rinse your jewelry when you are done cleaning it to make sure you get the excess build up and soap off. After rinsing you will want to use a lint free towel if possible to pat the jewelry dry.

If you use this method of cleaning and are not satisfied with the results you may want to try using a mixture of half water half ammonia. You can soak your ring for half an hour in this solution. After your jewelry is done soaking you will want to use a small, soft brush to clean it. Next you will rinse the jewelry in the solution again, and then rinse under warm water before towel drying.

You can find jewelry cleaning kits at the store that are ready to go. These kits are not all the same so make sure that your jewelry will be safe in the kit you purchase. Some kits come with everything you need to clean your jewelry. Some require you do to the cleaning, while others are just a solution you leave your ring in.

If you would rather not try cleaning your jewelry yourself there are a couple other options you have available to you. You can now buy jewelry cleaners that use high frequency to clean your jewelry. All you do is put your jewelry in the cleaner and turn it on and it does the work for you. Once again you will need to read the instructions to make sure that the jewelry you want to clean will be safe in the machine.

Another option you have is to take your jewelry to a jeweler to have it cleaned. If you are going to be out running some errands you could drop it off on the way, and pick it up when you are finished with your errands. Some places provide this service at no cost to you. This is an easy way to make sure your diamonds are cleaned properly. You don’t have to worry about making sure you are not damaging your diamonds since you are letting a professional clean it for you.