Fine Jewelry: Different Types of Fine Jewelry and How to Protect Against Loss

The term fine jewelry can best be described as jewelry of a high quality which is often made of gold and/or platinum and may include precious gemstones. There are many different types and styles of fine jewelry including but not limited to earrings, bracelets, necklaces, anklets and rings. Engagement rings and wedding bands are often placed under the category of fine jewelry. The possibilities are endless when looking to purchase a piece of fine jewelry. This article will discuss the various types and styles of fine jewelry available and also touch upon how the wearer of such jewelry can protect against its’ loss.

What Fine Jewelry is Made of

There are many different metals that fine jewelry may be composed of. Gold is one such metal that fine jewelry may be made of and frequently is. There are different varieties of gold including white or yellow gold and various karat types such as 10 karat, 14 karat and 24 karat. Generally, white gold is pricier than yellow gold and 24 karat would cost more than 10 karat gold. Platinum is another type of metal which some fine jewelry may consist of as well. Platinum is a lighter metal and is one which is readily used these days in the crafting of engagement rings and wedding bands. It is the 24 karat gold of yesteryear.

Fine jewelry is also made with precious gemstones inlayed in it. An example of such would be a diamond engagement ring. This is perhaps the most readily recognized piece of fine jewelry and often the most sentimental as well. Fine jewelry may also be purchased with birthstones embedded within the piece and these types of fine jewelry are extremely popular gifts for birthdays and anniversaries.

Types of Fine Jewelry

Fine jewelry may be purchased in many forms. Earrings and rings are popular types of fine jewelry. They come in many different styles such as plain gold, plain platinum and a mixture of the two. Precious gemstones are often added for extra flair. A popular type of fine jewelry with regard to earrings is diamond studs.

Bracelets and necklaces are also big sellers when it comes to fine jewelry sales. Tennis bracelets which come in a variety of fine metals and diamonds are a popular item. Necklaces may also be purchased that are plain in style or that have all the bells and whistles and include a variety of beautiful stones.

Fine jewelry is also available for men as well. Cuff links that are made of gold or platinum appeal to many men, especially the professional man. For men that like a little added flair can choose to have diamond accents embedded within the cuff links. Tie tacks may also be available in the fine jewelry section of your local retail department store or jewelry store. These accessories are of such a size that they can even be worn by men who don’t really like to wear jewelry as they are very subtle pieces of jewelry.

Ways to Ensure that Your Fine Jewelry is Protected

Due to the fact that fine jewelry is often valuable and sentimental in some cases as well, insuring your fine jewelry is a good step in the right direction. Because fine jewelry may be small in size, it is easily lost and misplaced. Additionally, since we do not live in a perfect world, it is important to consider the possibility that one day your jewelry might be stolen from you. This is not a pleasant thing to have to consider; however, it is ultimately reality and should be given some thought.

Utilizing your homeowner’s insurance policy or renter’s policy is the best possible way to make sure that your fine jewelry is protected from loss or theft. You can have your fine jewelry assets put under these types of policies, depending upon whether you rent or own your home, and have them protected should either of these tragic events occur. Oftentimes you will need to pay a little more in monthly premiums to have fine jewelry listed on your policy but when you consider the possibilities, it makes a lot of sense to pay a bit extra for the added protection.

As all insurance agencies, policies and premiums are different, it is best if you consult with your individual insurance agency and insurance agent to determine what it takes to have your fine jewelry added to your policy and how much extra premium you will have to pay per month. The added security is usually worth the money.

Hopefully, the aforementioned information has provided you with the necessary background on the different types of fine jewelry and how you should go about protecting these types of assets. Fine jewelry is a wonderful thing to have as it promotes one’s individual style and makes us feel just a little bit better about our overall appearance.

Copyright © 2005 Titanium Rings Studio, Eric Pless

About Titanium Rings Studio: For 14 years Titanium Rings Studios has been
making the finest quality handmade titanium rings; Titanium Rings Studio
carries a full line of Weddding Rings, Engagement Rings, Celtic Rings,
Tension Rings, Friendship rings, as well as Titanium Bracelts.