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Engagement Ring Insurance

CONGRATULATIONS!! You finally got her to say YES. And why wouldn’t she? She’s loved you from the start, and Look At That Ring! You WAY outkicked your coverage, son, and she radiates like the sun when she shows off the beautiful ring you gave her.

So now, your journey through life together begins. You’ve planned for everything, right? A wonderful ceremony with reception, magnificent honeymoon adventure, maybe you’ve even plunked down a nice down payment on a new home just for the two (or more) of you, and taken out a new Life Insurance policy just in case the unexpected happens. Nice work!

Have you REALLY you thought of everything?

What’s missing off your Wedding Checklist, yet should have been crossed off a long while back?

That’s right, the protection for that beautiful Gold & Carbon gesture of your love for her. Putting an insurance policy on your engagement ring may sound unromantic, but nothing's sweeter than peace of mind. Imagine how she’d feel if it were accidentally lost during the wedding ceremony or on your honeymoon? What if it were stolen or destroyed in a fire? What if the main stone were to fall out while she was working in the garden of your new home? All these tragedies can be lessened (materially, of course) by simply scheduling her ring on your Homeowner or Renter insurance policy? For somewhere around $10/thousand in ring vale, you can protect her ring from being lost, stolen, damaged or gone forever. Remember, an ounce of prevention is worth a pound of cure.

The love and commitment your ring represents is just as valuable as its material worth. Let’s face it, people lose their rings all the time. Here are a few of the most common stories we hear when people file an engagement ring insurance claim.

“I don’t know where it went!”

Remember when you lost something as a kid, your mom would tell you to retrace your steps and think about the last place you had it? Sometimes, that just doesn’t work. This is called “mysterious disappearance,” and is one of the most frequently cited reasons when an engagement ring is lost. Luckily, engagement ring insurance purchased through Roque Agency Insurance covers mysterious disappearance, so if you look down one day and it’s just vanished into thin air, we have you taken care of.

“It fell down the drain!”

The toilet, the shower, even the garbage disposal – we’ve heard it all. Many people take their rings off when cooking, and they can easily fall into the sink, only to be discovered when you turn on the garbage disposal and hear that gut-wrenching grinding sound. Sometimes rings fall off when you’re washing your hands, or they slip off in the shower and make their way straight down the drain. Soap isn’t great for jewelry, but a trip down the drain is far worse! Engagement ring insurance purchased through Roque Agency Insurance will cover this loss and even the recovery!

“I lost it at the pool/beach!”

Going for a swim is the perfect storm for lost jewelry. You may take it off to apply sunscreen, only to have it disappear into the sand when you shake out your towel. And all that lotion mixed with water leads to slippery situations, especially if your ring is already a bit loose. Wearing your ring while swimming is also risky, as fingers shrink when they get wet or cold. Losing your engagement ring would certainly put a damper on your beach day! Before you hit the beach be sure you are protected by Roque Agency Insurance.

“I bumped into something and the stone chipped!”

We all have our clumsy moments, but usually the worst that happens is a skinned knee (and maybe bruised pride, if your significant other catches you being klutzy). Sometimes, though, you drop your ring, or hit it against something in just the wrong way, and the impact is enough to chip the stone in your engagement ring. Even a diamond, one of the hardest materials on earth, can chip if it is hit in just the right way. It’s impossible to prepare for this kind of accident unless you walk around with a pillow strapped to your hand, so engagement ring insurance with Roque Agency Insurance certainly comes in handy here!

“I lost it on vacation!”

When you go on vacation, your schedule is totally thrown off. You’re in a different environment, and when you take your ring off, you’re likely setting it down in an unfamiliar place. In some cases it may be one that you may not remember later on. Whether you’re working out at the hotel gym or sunning yourself poolside, there are plenty of times when you may set your ring down and forget about it, only to panic later. Hopefully, you can find it, but if not, you’ll be glad you bought that engagement ring insurance with Roque Agency Insurance.

Losing your engagement ring is traumatic, regardless of how it happens. Be protected, not surprised. Give us a call and ask how you can schedule your gesture of love by protecting against the unexpected. You just might get more than you’re already paying for.

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