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Why Jewelry Insurance Should Be A Top Priority After Getting Engaged

Why Jewelry Insurance Should Be A Top Priority After Getting Engaged

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Amidst the bubbly, phone calls, ring selfies and flood of happy tears that come as soon as you get engaged, you may find yourself feeling a little bit of overwhelm. Where do you even begin!? First things first: Take a breather. Savor these first moments of being ENGAGED and take time to just be present. Believe me, you’ll have enough on your plate with #allthingsweddingplanning in due time, my friend. After taking some time to just be together, face time with the most important people in your lives and prep your nails for the bling selfies we know you’ll be taking nonstop for weeks, you’ll want to consider a little something called jewelry insurance. Cue Lavalier: a kingpin in the jewelry insurance world offering personalized coverage to give you the ultimate peace of mind when it comes to your engagement ring and wedding jewelry.

You may be thinking there are far more important things to get started on as soon as you get engaged, from choosing your venue to building your guest list to ordering your wedding dress. But let’s be honest. Once you fall down the rabbit hole of wedding planning, you’re going to be entirely swept up until the wedding day. Is keeping protective coverage for your most valuable possession in this exciting season really worth the risk?

unique engagement rings in colorful velvet ring boxes

While many couples think they’re covered for engagement rings + wedding bands under homeowner’s or renter’s insurance, the limitations are pretty steep. Companies like Lavalier, who specialize in coverage for newly purchased wedding jewelry and heirlooms you already own, exist to fill a void in the industry. Rather than offering blanket policies with little to no flexibility, they create tailored quotes on case by case basis, so you can be eligible for discounts depending on variables like “if you have a home alarm system” and beyond. 

unique engagement rings in colorful velvet ring boxes

Just knowing you’re protected from loss, theft, damage – heck, even natural disasters like earthquakes and floods! – across the globe will have you breathing easy throughout the events leading up to the wedding day where your ring takes center stage. Engagement sessions where your photographer may snap some detail shots on and off your finger, parties + showers where everyone will be wanting a peek, bachelorette weekends, destination weddings and honeymoons where travel puts you at an even greater risk…

Did you know that 1 in 6 people lose jewelry while on vacation? Craziness! Maybe it’s the Type A in me, but if I’m gonna protect my wedding day experience with a plan B and plan C just for inclement weather, why wouldn’t I protect one of my most valuable personal assets too? 

So how do you go about personal jewelry insurance, you might ask?

Easy as A-B-C, 1-2-3:

  1. Follow the prompts here to get a tailored quote in under 60 seconds
  2. Apply for coverage in under 10 minutes
  3. Receive approval electronically and pay securely online (or chat with an agent for more info before committing to anything) 
unique engagement rings in colorful velvet ring boxes

And what happens if the worst happens? 

Yep. Let’s go there. Because it’s actually not too bleak! If you have coverage with Lavalier and your jewelry is lost, stolen or damaged, you can work with the jeweler of YOUR choice to repair or replace it. Or if you’d rather work with Lavalier’s trusted network of jewelers, they can assist you with a personalized experience there too. Needless to say, this isn’t the case with homeowner’s insurance, renter’s insurance, or even your jewelry warranty.

For most people, purchasing insurance through Lavalier will cost only 1-2% of the value of the their insured jewelry, though they do have a minimum premium of $50. At the end of the day, it’s a personal decision. But the peace of mind can be worth its weight in gold. Start a free, custom quote here to see what it might look like for you and get ready to embark on one of the greatest seasons of your life with one potential burden already lifted off your shoulders. 

This post was sponsored by Lavalier. All opinions are our own. Thanks for supporting our sponsors! 

Wedding Vendors:

Production: Ruffled Blog
Photographer: Lindley Battle Photography
Stylist and Florals: Marla Lawson Events
Invitations and Calligraphy: Ink Sugar Co
Rings: Melissa Tyson Designs
Linen Backdrop: Olive and Oak
Hand Painted Backdrop: Chasing Stone
Shoes: Christian Louboutin and The Row
Round Ring Boxes: Esselle
Jewelry Insurance: Lavalier

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