Insuring Your Diamond Ring: What You Need to Know

Your diamond ring is both a financial investment and an emotional treasure. Proper insurance protects you from unexpected loss.

Why Insure Your Ring?

Standard homeowner's or renter's insurance often has low limits for jewelry—typically $1,000-$2,000. A separate jewelry policy provides full coverage.

Coverage Options

Homeowner's/Renter's Rider

Add a "scheduled personal property" rider to your existing policy.

Standalone Jewelry Insurance

Companies like Jewelers Mutual specialize in jewelry coverage.

What Coverage Includes

Most policies cover:

Getting Proper Coverage

Step 1: Get an Appraisal

You'll need a current appraisal including:

Step 2: Compare Policies

Get quotes comparing:

Step 3: Document Your Ring

Appraisal Services

SM Diamond Center offers professional appraisal services for insurance purposes. Visit us at 3922 N Druid Hills Rd, Decatur, GA or call (678) 463-5564.