Post # 1
I recently had a stone fall out of my engagement ring! Luckily I was sitting at my desk when it happen. I was taking my ring off to put some lotion on my hands and when I sat the ring down the stone just tumbled onto my desk. I’m sooooo glad I was where I was at when it happened. I took it to the jeweler who said that its very common with this type of setting and that I have to be extra careful. Now I’m paranoid and constantly looking at my ring to make sure I’m not missing any stones. I’m almost tempted to stop wearing my ring until the wedding to ensure I will at least have all my stones on that day.
Have any of you ladies with invisible setting rings had this problem before? Do you take them in to be checked yearly? Would insuring the ring cover the cost of a missing stone should one fall out?
Post # 3
I would ask my jeweler! That’s a gorgeous ring, btw. You should check to see if they offer ring insurance. Helzberg does, and I believe it covers stones falling out, but each one is different!
Post # 4
@jo.lee: Thanks! I’m going to look into the insurance as well. I’ve heard it can be pretty costly though.
Post # 5
I’ve never has a problem with me ring, but I constantly check to see if all my stones are still there and it’s still on me finger! Haha I think that’s normal! I also get it cleaned and checked at least once a month. Our jeweler allows you to come in as often as you want for free so I could be there everyday if I was really paranoid.
I would get that baby insured. FH has mine insured before he gave it to me and also added my wedding bands. Our insurance will cover the loss of a diamond. It also covers if the ring is stollen, accidental misplacement (like the dog ate it lol), among some other things. We have a seperate jewelers insurance which our jeweler helped us with, but if you own a home you could also add it to your homeowners (it might not cover everything I mentioned tho, so look into that when deciding).
Post # 6
My jeweler actually recommended that I come in every few weeks – I don’t always make it that often, but it’s free and most jewelers will check the settings to be sure things like that dont happen.
Mine is insured through Jeweler’s Mutual – I wanna say I pay about $32 a year for coverage of about $3400 with no deductible. I had originally looked at getting renters insurance and adding it to that, but just insuring the ring was much, much cheaper for me.
I understand being paranoid…I check my ring constantly because I’m afraid of it getting caught on something (I was paranoid before, but about a month ago, my mom actually lost her diamond and some of the prongs without even noticing after getting it caught on something loading groceries into the car.) Despite being OCD about checking my ring, I wouldn’t even consider not wearing it everyday (I took a temp job working in a greenhouse last spring and it was soooo weird not to wear it, even for a few hours).
Post # 7
Very pretty ring. We have jewelry insurance through our rental insurance. It’s really inexpensive. I would definitely recommend getting it insured!
Post # 8
I bring my ring into the jewelry store every 6 months to get checked & if stones fall out they cover it. I also have my ring on my home owners ins and didnt notice an increase when I just paid the bill
Post # 9
Another vote here for Jewelers Mutual.
Some home owner’s / rental insurance won’t cover all situations that may arise (and you’d probably have to take out an additional rider anyway).
Jewelers Mutual covers pretty much everything: getting damaged, stolen, or just plain lost.
Post # 10
I also have an invisable set ring. I take it in every six months to get it checked. My fiance’s mother is an insurance agent, is insurance was a must.
Post # 11
@Pwitty: I checked out Jewelers Mutual and they are really affordable. As soon as I have my ring appraised I’m going to get insurance. I feel so much better now. Thanks for the info!
Post # 12
@Cheeks11: I also have an invisible setting…and yes i have the same problem…it happened to me about 4x and luckily my jeweler replaced them at no cost….and ive been married for almost 3 years. My jeweler had suggested that I change my setting, said the reason it happens is because there are no prongs holding the diamonds in. I didnt want to change my setting because i love it…. but now im thinking about it.
Post # 12
This is a common problem in most of the engagement ring. If the centre stone is not properly fixed then it might come out loose after certain months.