Ritani Engagement Rings: Insurance to Protect Your Investment
Ritani specializes in affordable, accessible jewelry, particularly engagement and wedding rings. Yet, no matter how great of a deal you got on your engagement ring it doesn’t mean it’s not an investment worth protecting.
Even if you didn’t spend tens of thousands of dollars, you’ll still want Ritani engagement ring insurance to ensure that the jewelry is completely covered in the event of loss, theft, or damage.
Have questions about jewelry insurance? We’re here to answer them. Here’s everything you need to know about what it is, how it works, and how to get a policy.
What You Will Learn
Why You Need Ritani Ring Insurance
There are many things to love about Ritani. Beyond affordability, the brand offers transparent diamond pricing. Free in-store preview services also allow you to shop for a ring online and see it in person before you buy. The brand will even help you design your own engagement ring if you have something specific in mind.
If you’re in the market for a lab-grown diamond, you can shop natural lab diamond jewelry from Ritani with ease, from natural lab diamond eternity rings that will make the perfect wedding band pairing for an engagement ring to colored lab diamonds, which can be significantly more affordable than natural colored diamonds.
However, there’s one thing that Ritani technically can’t do for you — insure your engagement ring or any other jewelry purchase. Instead, for those seeking Ritani jewelry insurance, the brand points its shoppers to other third-party providers like BriteCo that can fully protect your investment.
How Ritani Engagement Ring Insurance Keeps You Covered
Engagement ring insurance keeps you covered under an array of circumstances. Because as soon as you purchase a valuable piece of jewelry like an engagement ring, threats and hazards can (and probably will) arise, such as:
These disasters just scratch the surface of all the potential ways your ring could be lost, stolen, or damaged. However, there’s no need to stress. With the right insurance policy, like that from BriteCo, even if the very worst happens, your ring can be repaired or replaced to be as good as new — and at no extra cost to you.
Where to Get Insurance for Your Ritani Engagement Ring
So, if Ritani won’t directly sell you engagement ring insurance, where can you get it? You generally have two options.
An Existing Insurance Policy
You may already have an insurance policy that will cover your engagement ring to some degree. Most renters and homeowners insurance policies cover jewelry if it’s stolen from the home. However, these policies also often implement quite a few restrictions. For example, they may not help you replace or repair a ring damaged or lost in a natural disaster, or they may only give you a limited amount of money for any jewelry-related claims.
Specialized Jewelry Insurance
Your second option is a specialized jewelry insurance policy. A handful of companies provide this service, including Jewelers Mutual Group and, of course, BriteCo.
Compared to homeowners and renters insurance policies, a specialized jewelry insurance policy covers a much wider range of circumstances. It will also help you repair or replace your jewelry in full, at the complete value of your piece.
For example, a BriteCo policy offers:
- Worldwide coverage, rather than just coverage for incidents that occur at your home
- Coverage for not just theft but also loss, disappearance, and damage
- Zero deductibles
- Coverage for preventative maintenance
You will get all this protection for the average annual cost of 1–2% of your jewelry’s value. That means if you purchased an engagement ring for $6,000, your annual fee for jewelry insurance would be a mere $60–$120, or $5-10 a month.
How Do You Get Specialized Jewelry Insurance?
If you want specialized jewelry insurance to keep your new Ritani engagement ring safe, securing a policy is simple.
First, you’ll need to submit all the necessary information via BriteCo’s online quote form. This process will only take a few minutes, and you’ll usually receive your quote on the same day.
If you’d like to move forward with the provided quote, you can purchase your policy online and choose whether to pay for your policy monthly or annually. (The annual option does come with a discount.)
That’s all you have to do! From there, you’re covered.
If you ever need to submit a claim, the process is just as easy. You can submit your claim online, and BriteCo will quickly help you repair or replace your jewelry with a piece of equal value.
Ritani Jewelry Insurance FAQs
Where Does Ritani Jewelry Come from?
Ritani’s pieces are all handcrafted in the company’s New York factory. While Ritani does not have a plethora of national chain locations, like Zales or Helzberg, if you want to see a piece before purchasing it, you can use Ritani’s free in-store preview services.
How Can You Get a Good Deal on Ritani Jewelry?
Ritani has some very affordable prices, but here’s another option to help you save: If you’re shopping for lab diamonds, use code lab10 at checkout to get 10% off your lab-grown diamonds purchase.
What Are Your Options for Jewelry Insurance?
You can either rely on your homeowners or renters insurance and its limited jewelry coverage, or you can purchase a comprehensive specialized plan from a provider like BriteCo or Jewelers Mutual Insurance Company.
How Does Ritani Source Its Diamonds?
Ritani follows Kimberley Process sourcing standards, ensuring ethical sourcing of all its diamonds, gems, and metals.
Do Ritani Diamonds Come with a Grading Certificate?
Yes, Ritani diamonds come with grading certificates, and the brand’s lab-grown diamonds are graded by organizations such as the GIA, IGI, GCAL, Diamond Foundry, GSI, and HRD.
Protect Your Ritani Engagement Ring with BriteCo Today
An engagement ring, whether it’s from Ritani or another brand, is an incredibly important piece of jewelry. Ensure it’s safe from all of life’s mishaps and mayhem by making a relatively very small investment into specialty jewelry insurance.
Learn more about BriteCo’s comprehensive coverage and get your quote now.
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