You might be surprised to learn that your homeowner’s or renter’s insurance policy probably does not offer full coverage for your engagement ring and other fine jewelry. Your insurance policy probably covers jewelry theft, but not loss that occurs for other reasons.
Typical Insurance Policies
Renter’s and homeowner’s insurance policies set limits for the loss of certain categories of personal property, including jewelry. Homeowner’s policies typically pay a maximum of $1,000 for jewelry theft. A renter’s insurance policy might have a lower limit for jewelry loss–$500 is common.
Does your insurance policy cover jewelry loss for reasons other than theft–such as for lost or damaged items? Read your policy carefully and ask your insurance agent to clarify the types of losses that are covered on your standard policy.
Additional Jewelry Insurance
You can usually purchase additional insurance for your fine jewelry, but be sure to ask your agent questions so that you have a good understanding of the coverage:
- Is there a deductible? If so, how much is it and how does raising or lowering the deductible affect your policy costs?
Is an appraisal required prior to obtaining insurance? Are there only certain types of appraisers whose reports are accepted?
Are the items covered no matter where they take place? Would the policy cover you for a loss that occurs during domestic or international travel?
Are items covered for full replacement cost? Must you replace the item, or can you obtain a cash settlement?
Does the policy cover repairs to damaged jewelry?
Jewelry Insurance Options
The Chubb Group
provides insurance specifically for jewelry. The company offers policies through independent insurance agents and jewelry retailers. Here’s a brief description of Chubb’s engagement ring policy guidelines:
- Full coverage for the itemized amount shown on the policy.
- No deductible.
- Coverage applies worldwide for lost or stolen rings.
- Replacement is not required, Chubb offers a cash settlement. If you do replace the ring, you select the jeweler.
Mrs. Flinders decided to have her portrait painted. She told the artist, “Paint me with diamond earrings, a diamond necklace, emerald bracelets and a ruby pendant.” ??”But you’re not wearing any of those things.” ??”I know,” said Mrs. Flinders.” It’s in case I should die before my husband. I’m sure he’d remarry right away, and I want her to go nuts looking for the jewelry.”
Pandora jewelry
It is a unique jewelry system. This unique and fashion style comes from a Greek mythology and comes into fashion in Denmark in 1996. It can be said that a Denmark couple create this unique jewelry brand. Pandora jewelry has three segments divided by two threaded points. A whole piece consists of chain, threaded, clip, charms, bails and glass beads. Besides its decoration usage it also represents hope and opportunities. This starts a new tide of jewelry fashion. It encourages women all over the world to show their charming.
Make your own jewelry
Pandora jewelry series comprise Charms, Bracelets & chain, Glass beads, Bail, and jewelry. This provides a pretty opportunity for you to design your own styles which express your taste. It will be unique as you in the world. You can also send your finished jewelry to your mother as her birthday present or your close friend to enhance your friendship. All of these will be unforgettable moments in your life. While you should update your jewelry fitting anytime to keep your jewelry is exclusive.
Pandora Charms
Charms can be called the finishing touch of a Pandora jewelry piece. It has a long history, and in different eras it stands for distinctive subjects & styles. The charm is connected with the trend of fashion. For instance, after the movie Pirates of the Caribbean, the bracelets with swords and skulls charms come into popularity. The Pandora jewelry can’t be separated from the Greek mythology. It is the symbol of hope and opportunity. Regardless of the troubles you experienced, it will always be the only consolation for human being. Each charm has its own significance. Take the Pandora cat for example, it represents lucky and wisdom. There is a version that a cat has nine lives because the cat was always connected with mysterious and magical atmosphere. Choose charms according to our design and pay attention to the charms so as to come up with the fashion.
Pandora Chain Read more…
Silver jewelry is widely worn today for a lot of reasons. now days lots of online
wholesale jewelry offer nice quality silver jewelry on wholesale price.Below listed for A number of the reasons why people like silver jewelry
1. A nice alternative to gold: Everyone knows that silver & gold are pricey precious stones but that silver is cheaper than gold, however the expensiveness of both precious stones puts their value at the same level. So if a material is not gold, the next query that comes to mind is Is it silver?. That is why lots of individuals wear silver as an alternative to gold. A number of these individuals may possess gold jewelry but would need a alter from time to time, & so they were silver or other precious stones like diamond, etc. but some basically cannot afford gold at that point in time & so they go for silver.
2. Color combination: Sometimes when one considers a nice combination for what he is wearing, a silver jewelry will be more suitable than gold or other types of jewelry.
3. A nice number of religious jewelry like Jesus dying on the cross, the Virgin Mary carrying Jesus, the rosary, the chaplet, the finger rosary, etc. usually come in silver & lots of people like to express their religious beliefs through those religious jewelry.
4. Apart from being more affordable than gold or other precious stones like platinum or diamond, silver comes in a variety of forms. More forms than other stones. For instance, in lots of offices, the furniture are lined with more silver coating than gold. Lots of cell phone linings are silver; automobile door handles, etc are also lined with silver. Because individuals usually prefer to have a lot of things to chose from, silver jewelry is probably sold over gold. Read more…
Russell Crowe’s ‘Robin Hood’ opened the 2010 Cannes Film Festival with big hair, big gowns and even bigger diamonds.
Diamond jewelry is a Cannes Film Festival staple, and this year’s opening film, Robin Hood, brought out the ice queens in full force. Men in tights, on the other hand, were MIA.
A-lister Cate Blanchett ruled the red carpet in an Alexander McQueen dress with Van Cleef & Arpels jewelry glittering on her ears and wrists. Statement earrings continue to shine bright on Cannes juror Kate Beckinsale in Marchesa and shiny chandeliers; the always-stunning Dame Helen Mirren in Elie Saab and diamond drops; and Desperate Housewife, Eva Longoria in Emilio Pucci and coral jewels.
Sean Penn, Mick Jagger, Naomi Watts, Woody Allen and Salma Hayek are among the A-list celebs expected in this chic French Riviera resort before Tim Burton’s jury awards the Palme d’Or top prize on May 23.
“Cannes is great glamour, great craziness. There’s nothing like it in the world, not even the Oscars,” British beauty Helen Mirren told the AFP.
If you are on the hunt for vintage fine jewelry, there are a few things that you are going to want to be aware of first. Buying vintage jewelry is very different from buying other types of jewelry after all, and so you are going to want to make sure that you get it done right. So if you are going to buy a fine jewelry watch that is vintage or any other piece of vintage fine jewelry, here are a few things that you are going to want to keep in mind.
What to Look for
There are always a few specific things that you want to look for whenever you are looking for any type of jewelry, and the same goes for vintage fine jewelry. When you are shopping for vintage fine jewelry, one of the most important things to remember is that almost always, the older the piece, the more valuable it is going to be.
This is really going to be important for you to remember because then you are going to be able to better appropriate prices with pieces, and know when you are getting a great deal and when you are getting ripped off. If you do not know this then you are likely to head out and get taken advantage of pretty easily.
You also have to make sure that you look for unique qualities in jewelry when you are shopping for vintage jewelry. This is what really sets these pieces apart and what you are going to want to look for when you are out there shopping for this type of jewelry.
Looking for quality is also very important when you are shopping for vintage fine jewelry. Just because you want to find pieces that are old, this doesn’t mean that buying a piece of junk is what you want to do here. If you find a bargain piece you may think that you have found yourself a great deal when in reality, you are not going to be spending your money wisely unless you are buying vintage jewelry of quality purposely.
It is not worth the money, even if you think that you are getting the piece for a great price, if it is just a piece of junk. Watch for value and know that different sellers are going to have different prices, so if you want to get a quality piece for a decent price, you are going to have to do some shopping around
Fashion, jewelry and interior designers incorporate beading into their collections because of its ability to transform a garment or home decorating accent piece into a sparkling work of art. Crystal and glass beading can change a basic item instantly. Vary the cut and style of the beads you select to create a number of beading craft projects.
Instructions
Step 1
Choose your bead size and type. This will be the catalyst for your crafting project. Seed beads are small beads, usually round and made of glass. Incorporate bead types such as bugle, triangle, Japanese cylinder and cube. You can also incorporate accent beads, which are usually larger and may be blown glass, lampwork, metal, plastic, shell or pearl. Read more…
Butterflies have been a popular motif in jewelry design, and crystal butterflies are especially charming. Because crystal is faceted, it reflects light in a captivating way, so it is an ideal medium with which to represent butterflies. Colorful, symmetrical and representative of growth and freedom, crystal butterflies contribute their enchanting beauty to necklaces, earrings, anklets, brooches and bracelets.
Beaded Crystal Butterfly Bracelet
Make an exquisite beaded butterfly using tiny crystal beads. Find a pattern to make a beaded butterfly in a beading magazine or through an online resource such as bead-patterns.com. Choose small crystal beads in the colors that you want your butterfly to be. Once you have beaded a butterfly, you can attach it to a beaded cuff or fabric bracelet. Read more…
We have introduced opal, today we will learn more about it.
Opal love to be worn on the skin
Due to the differing percentage of water, Opals may easily become brittle. They always contain water – usually between 2 and 6 per cent, but sometimes even more. Thus if stored too dry or exposed to heat over a longer period of time, Opals will show fissures and the play of colour will become paler. Therefore, Opal jewellery should be worn as often as possible, for then the gemstone will receive the needed humidity from the air and from the skin of its wearer.
Read more…
One of the more popular stones that won’t break a person’s bank is turquoise…but choosing the proper turquoise can be a time-consuming process. As such, there are certain things that a person should think about when choosing their particular stone.
Often thought of as a product of the American Southwest, turquoise is also mined in Mexico, China, Iran, Tibet and Australia. One of the most familiar minerals, turquoise is said to promote prosperity, protect from evil, keep one from falling off a horse and guide arrows to hit their marks.
Step 1
Deal with reputable merchants; avoid purchasing turquoise from sources that are unknown to you.
Step 2
Always ask if the stone has been treated in any way – this can be a clue if it’s an imitation. (Expect it to have some kind of coating, which is often done.)
Step 3
Look at the color of the stone. The most valuable turquoise is clear blue without any greenish cast or veins in it. However, some people prefer turquoise with veins in it for the contrast it provides to the color of the stone.
Step 4
Check the condition of the stone. It shouldn’t have any chips or fractures.
Step 5
Compare several pieces of turquoise side by side. Look at the color and texture, and select the piece you like best.
Knowing when you’ll be wearing your turquoise will help you decide what size it should be. Bigger pieces, such as large rings or even bracelets made of this stone are fine for everyday wearor even for certain casual events. If worn to more formal events, though, larger pieces of turquoise will look gaudy rather than impressive. Since it is an accessory, your turquoise should complement you and your style, not seek to upstage either of them.
