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5 reasons why one needs jewelry and diamond insurance

5 reasons why one needs jewelry and diamond insurance

Insurance covers are great lifesavers, especially when it comes to covering any damage or repairs to your car, your house, or other valuable belongings. Similarly, health insurance schemes provide you with much-needed immunity against massive medical bills. Your jewelry and diamonds are more than just your property. They may hold sentimental value in your life. Here are a few reasons why you need jewelry insurance and diamond insurance just as much as other covers:

Protection against theft
Thefts and burglaries are unpredictable. Reported property theft crimes have caused losses worth billions of dollars in recent years in the country. Predictably, jewelry and diamonds are among the most heavily stolen commodities. Diamond insurance and jewelry insurance help you offset the losses caused due to such burglary and keep you at ease at all times.

Coverage for repairs and accidents
Jewelry and diamonds can be just as fragile as they are precious, which is why you may need to spend on repairs of your diamonds or jewelry at least once now and then. Buying diamond or jewelry insurance covers this for you. Additionally, several insurance schemes have global coverage, meaning that repairs made in any region can be covered. However, you will have to get this confirmed with your insurer before purchasing jewelry or diamond insurance for your valuables.

Specific protection is always a wiser option
A homeowners’ insurance policy generally covers the costs of jewelry repairs or replacement up to certain limits in case that detail is specified on the terms of the policy. However, standard home insurance generally limits coverage to $1,500 for the theft of jewelry and other valuables. By purchasing separate jewelry or diamond insurance, you can safeguard the valuables even if their value exceeds your home insurance limit.

The cataloging of the value of your jewelry
Knowing the value of your jewelry is always handy, especially if a piece of specific jewelry or diamond-based item has been received as a gift. Before insuring it, jewelry and diamonds need to be valued. This persuades you to uncover information about the possession, such as information about its age and composition, photographic records of its appearance, its purchase price, and current market value. Complete information about your diamonds or jewelry is helpful for auditing and legal purposes.

Greater protection than warranties
Warranties cover the damage of theft and repairs up to a certain extent. However, warranties only cover the repair costs related to workmanship or accidents. If any damage is caused due to your negligence, a warranty will not cover it. Therefore, you need a diamond or jewelry insurance to protect your valuable goods against damage.

There are multiple insurers available for this purpose. Some names are BriteCo Diamond Insurance and Jewelry Insurance, which offers worldwide insurance coverage, and Jewelers Mutual, which offers jewelry insurance and appraisal services.

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10 amazing Black Friday 2022 jewelry deals

Even with regular discounts, free shipping, and guaranteed exchange offers, premium silver, gold, and diamond jewelry designed for special occasions can be very expensive. That is one of the reasons why you should make the most of special Black Friday discounts on the most popular designs with the top brands in the jewelry business. So, here are the 10 Black Friday offers to check out in the upcoming sale on November 25. JTV Explore exclusive jewelry deals, all under one roof, with JTV’s latest offers. Expect discounts of up to 70% on color gemstone jewelry, 60% on pearl collections, and 50% on gold wear for women. You can get diamond pieces starting at just $100 and the latest Bella Luce collection at just $50 (starting price) with amazing pre-sale JTV offers. Riddle’s Jewelry Check out some of the brand’s best earrings, bracelets, rings, pendants, and watch collections with its amazing shopping season offers. Shoppers can expect a minimum discount of 30%–40% on top collections and individual products starting at under $60 today. Zales Zales is one of the top brands known for its unique range of diamond jewelry designed for all special occasions. You can get some of the best custom-designed rings, earrings, necklaces, bracelets, watches, and special occasion personalized jewelry. Expect a sitewide discount of up to 50% on bestseller collections and enjoy big savings this shopping season. Macy’s From simple beaded bracelets for kids to some of the most premium princess-cut diamond accessories for women, Macy’s brings shoppers the best of all deals ahead of the shopping season. Expect sitewide discounts from 20% to 80% on several products. Additionally, members can enjoy free shipping on orders above $49. Jared Discover Jared’s special “buy more, save more” event with active 20% discounts on all top-selling jewelry designs and enjoy sitewide free shipping with no minimum orders. Early bird offers indicate up to 50% discounts on necklaces designed for special occasions. Kohl’s Kohl’s is already going live with various early bird Black Friday offers valid throughout the sale season. Shop for fine and fashion jewelry accessories, including the best of anklets, body jewelry, bracelets, earrings, jewelry sets, pins, rings, and necklaces starting at under $6. Discover the best imitation and precious metal designs ahead of the holiday season. JCPenney You can check out the best flash sale offers with an extra 40% off on jewelry gifts and an additional 25% off on all trending deals with the code GOSAVE42. Shop for the best gemstone and sterling silver jewelry starting at just $15 ahead of the shopping season. Also, check out lab-created white sapphire rings starting at just $14.99. Satéur Expect an average of 30% off on some of the best jewelry designs by Satéur before and during the Black Friday sale. These discounts are applicable on some of the bestselling products like Satéur Destinée Ring, priced at just $98. Shop for similar discounts across a wide range of necklaces, earrings, and bracelets. Helzberg Diamonds Are you shopping for a special occasion or for a loved one? Then Helzberg is one of the top wedding jewelry brands you should check out this shopping season. Based on last year’s Black Friday deals, expect the best engagement and wedding jewelry sets for discounts in the range of $200 to $600. Blue Nile Blue Nile has always been one of the top picks in Black Friday jewelry sales, and this year is no exception. Pre-sale estimates indicate up to 50% off on bestselling fine and fashion jewelry. Members can avail of additional checkout discounts, free shipping, and exchange deals if they are not satisfied with their purchase. All offers are subject to the availability of stocks, deal validity, and delivery location. Vendors also reserve the right to revise prices to meet demand.

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10 Black Friday Deals to Expect on Jewelry in 2023

Fine jewelry tends to be pricey all throughout the year, which is why shoppers form a beeline outside jewelry stores and retailers who sell jewelry when Black Friday comes around every year. Like clockwork, shoppers can expect great discounts on their favorite jewelry pieces this year as well. Based on past Black Friday price cuts and existing deals available in online and offline retail stores, festive buyers are likely to find similar offerings by brands and retailers. Earrings Quality earrings are must-have accessories for women across age groups. The Ever Us's Diamond Earrings 3/8 ct in 14K White Gold is available at a $730 discount on Kay. Among the earrings' many highlights is the fact that it is a dazzlingly beautiful piece. It contains two bezel-set diamonds. Each set sparkles at the bottom of a shimmering line of diamonds set in pure 14K white gold. This line connects to a post featuring multiple bezel-set diamonds. Weighing in at about 3/8 carat and secure with friction backs, these earrings can add the perfect glamour to any outfit. Necklaces Necklaces are the ultimate decorative jewelry that enhances the class and allure of its wearer during any momentous occasion. Shoppers looking to purchase amazing necklaces can check out the captivating Layered Mariner Link Lariat Necklace 14K Yellow Gold 17". This necklace is currently at a discount worth $490. This piece comes with layered mariner-link chains designed with shiny 14K yellow gold. Additionally, it also features elongated teardrop-shaped beads dangling from its ends to create a stunning look. This piece also includes a 17-inch bracelet that can be secured with a lobster clasp. Rings There are plenty of rings to choose from in a jeweler's repertoire. After all, there is a ring for simply every occasion. This can also make choosing the right ring a tedious task. A particularly enticing choice for buyers can be Neil Lane's mesmerizing engagement ring that combines 14K white gold and multi-karat diamonds. One can get discounts worth $2760 on these jewelry pieces. Such rings come with many features and standout design elements, such as its three dazzling princess-cut diamonds haloed by smaller round diamonds. Jewelry aficionados can expect similar price drops in the upcoming sale period. Bracelets Shoppers looking to purchase stunning bracelets made out of exotic materials can check out the incredible Tahitian Cultured Pearl Beaded Bolo Bracelet with a discount worth $375 on its original retail price. This bracelet has been crafted in sterling silver, with five oval-shaped Tahitian freshwater cultured pearls spaced apart by round diamond-cut spacer beads. Its cable chain bracelet design has a unique sliding bolo clasp to enable the piece to adjust to about 9.5 inches in overall length. Jewelry sets Jewelry sets offer a whole range of products and pieces to give buyers an enhanced experience of shopping. One of the renowned jewelry sets is the Kese Preserved Real Rose with Forever Love Heart Necklace Jewelry Gift Set. This Mother's Day special set includes a preserved eternal rose made entirely of real natural rose flowers, a jewelry box, a double heart necklace, a gift card, and a gift bag. Currently, the set is available for grabs for up to a 7% discount. Prospective buyers are likely to get similar offers on this set during the Black Friday 2023 sale. Anklets The Au Naturale Tri-Tone 10k Gold Double Link Cable Chain Anklet is an example of a high-quality product with good discounts. It is currently available for $248 at Kohl's (original $775). Jewelry like this comes with incredible highlights such as a polished finish that gives the piece its refined and shiny look and a metallic build constituted of 10K gold, 10K white gold, and 10K rose gold, and it comes with a stylish pouch for storage. All in all, if shoppers are looking to purchase anklets, then the upcoming Black Friday will be the perfect time to do so, as this piece could be at unmatchable discounts. Brooch Unlike several other pieces of jewelry, a brooch tends to be an acquired taste for many. However, if shoppers are actively looking for one, they can find discounts worth 6%. An example of a brooch carrying similar kinds of discounts is the Rhinestone Sunflower Brooch Pin Vintage Gold Yellow Elegant Pin Ladies Multipurpose Brooch Necklace, a product that is known for its incredible sunflower-based design that has a noble and warm aura. Apart from its stunning design, this piece is also made entirely of alloy for extra durability. One can expect similar offers this Black Friday on many other brooch pieces. Cufflinks Cufflinks form a key part of a person's formal attire during special events or important workplace meetings. The HAWSON Cufflinks for Men is currently on sale for up to 5%. Shoppers are likely to get similar bargains on cufflinks this Black Friday sale period. Watches A wristwatch may not fit the conventional idea of jewelry, but it can adorn people for any occasion, similarly to how the best jewelry pieces do it. Currently, one can check price cuts of up to 20% on BY BENYAR's Analog Quartz Chronograph 30M Waterproof Luminous Big Face Men's Watches. Such offers (even better ones) may likely go live during the Back Friday sale period. Antique jewelry Antique jewelry pieces are also expensive. The 1928 jewelry Baroque Insignia Oval Drop Earrings is at a 50% discount. Customers will likely get similar offers on such jewelry pieces during the upcoming Black Friday sale. 

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