There's much to take into account when purchasing a diamond - especially diamond engagement rings! The traditions of presenting women with a diamond engagement ring when proposing started on 1477 when Archduke Maximilian giving a diamond ring to Mary of Burgundy - and in most cases, the woman you're planning to propose to expects a ring to accompany that proposal!
First of all, figure out how much ring you could afford. A lot of people use the '2 months salary" concept. This means that the ring should cost roughly the same as 2 months of the current salary. Because you have other bills to pay for, saving up this amount of cash may take quite a bit of time. You should consider financing. Go to the jeweler on your choice and inform them that you plan to buy an engagement ring, which financing is going to be necessary. Proceed and get the credit check out of the way, determine what your payments is going to be, and just how much of a down payment is required.
And then, you will need engagement ring insurance. It is a good idea to safeguard your diamond engagement ring's investment with engagement rings insurance. The cost of the policy is based on the full estimated value of diamonds ring and if the policy will appreciate with the value of the ring. As jewelry typically gains value eventually, opting to purchase insurance that appreciates with the ring is highly recommended.
Placing a claim on diamond engagement ring insurance. In the event of loss, damage or theft to the ring, the holder of the policy will make a claim. As with an insurance coverage claim for houses or cars, a report is made to the insurance company. It's investigated and then the claim is paid straight to the policyholder.
Diamond Ring Insurance And Beyond
There is much to consider when purchasing a diamond - especially diamond engagement rings! The tradition of presenting a woman with a diamond engagement ring when proposing began in 1477 when Archduke Maximilian presented diamond ring to Mary of Burgundy.
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