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Are you considering to give a diamond engagement ring to the woman you are about to marry? Does your family possess treasured diamond pieces, which are being passed on from generation to generation as traditional family heirlooms? At present, diamonds are considered extremely valuable. However, these stones were not as precious as this several decades ago. In fact, the hype surrounding diamonds all started in 1947 when De Beers released their famous advertisement, which took the world by storm. Who hasn’t heard of the famous slogan “A Diamond Is Forever”? This single line changed the way the world looks at diamonds forever!
Diamonds are now among the world’s most expensive stones and as such, they are also considered as good investment pieces. Given this reality, it would be wise to insure your diamonds at the soonest time possible to protect your investment from theft or any untoward physical damage that may reduce its value considerably. However, insuring your diamonds may require a little extra effort. It needs some thoughtful planning and may require you to shop around a little to find the best options available.
Generally, there are three types of diamond insurance policy available for you to consider. These are the Replacement Value Policy, the Agreed Value Policy and the Actual Cash Value Policy. We will take a look at each one of these policies for you to determine which one suits you best.
The Replacement Value Policy - This is the most common type of diamond insurance policy available. Under this policy, the insurance company will only be liable to pay up to a certain fixed amount to replace the lost or damaged diamond. However, in most cases, the diamonds are replaced at a much lower value.
The Agreed Value Policy - This is by far the best diamond insurance policy there is but unfortunately, such policies are rarely offered. Under this type of coverage, the insurance company will simply pay you the amount that you and the company have agreed upon. Now, isn’t that neat?
The Actual Cash Value Policy - In the event that the Agreed Value Policy is not available, the next best thing for you to look for is the Actual Cash Value Policy. In the unfortunate event that your diamond is lost or damaged beyond repair, the insurance company will be responsible in replacing your diamond at today’s market value. However, this type of policy is also not very common.
There are a number of factors that may determine just how much you need to pay for your diamond insurance policy. Your rates will greatly be dependent on the value of your diamond, the type of insurance policy that you choose and the area that you live in. For example, let’s say that you live in a high-crime area. You can therefore expect to pay more for your policy to cover the additional risks involved.
Another thing in insuring your diamonds – be sure to have them certified by a reputable gemological laboratory such as the Gemological Institute of America (GIA) and the American Gem Society (AGS). Be wary of other laboratories that may not be as credible as these two. Acquire a certificate (also called diamond grading report) for your diamond and use it as a solid proof of its value when applying for an insurance policy. This way, you save yourself from lengthy unwanted arguments with the insurance company if the diamond gets lost or damaged beyond repair in some future time!
Michael Russell
Your Independent guide to Diamonds
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