There is much to consider when buying a diamond - especially diamond engagement ring! The tradition of presenting a woman with a diamond engagement ring when proposing started in 1477 when Archduke Maximilian presented a diamond engagement ring to Mary of Burgundy - and in most cases, the girl you plan to propose to will expect a ring to accompany that proposal!
To start with, determine how much ring you can pay for. Most people use 'two months salary" rule. This means that the ring should cost roughly the same as two months of your existing salary. Because you have other expenses to pay, saving up this amount of cash may take quite a bit of time. You should consider financing. Go to the jeweler of your choice and tell them that you're planning to buy an engagement ring, and the financing will be necessary. Go ahead and get the credit check out of the way, learn what your payments will be, and how much of a down payment is needed.
After that, you'll need engagement ring insurance. It makes sense to protect your diamond engagement ring's investment with engagement rings insurance. The cost of the policy is based on the full estimated value of the diamond ring and whether the policy may appreciate with the value of the diamond ring. As jewelry often gains value over time, opting to purchase insurance that appreciates with the ring is a good idea.
Placing a claim on diamond engagement ring insurance. In the case of loss, theft or damage to the ring, the ring holder of the policy will make an insurance claim. As with an insurance claim for cars or houses, a report is made to the insurance company. It's investigated and the claim is paid directly to the policyholder.
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