Aliciamiyares.org – The guide to all things of fashion

Jewelry insurance comes in many forms and varieties and only an insurance agent can provide accurate and specific advice. However, it helps to know enough about jewelry insurance to ask your agent the right questions and to be aware of how the process works. The time to ask your insurance agent the questions is before you insure an item, not when you need to file a claim. Read the fine print in your insurance contract to be sure it provides the coverage you expect.

Understanding jewelry insurance begins with recognizing the difference between scheduled and unscheduled property.

Unscheduled property (jewelry not specifically listed) is typically included in basic homeowner or renter’s policies under blanket coverage. There is a usually a deductible (typically $500) and a maximum amount of coverage (typically $1500) although these amounts can vary with the specific policy. This type of coverage does not require an appraisal but sales receipts, written descriptions or photos are beneficial in proving the items existed and estimating their replacement value.

Scheduled property (jewelry specifically listed) is included in a floater, rider or endorsement to homeowner or renter’s policies. Jewelry insurance is also available with a separate policy, from a company specializing in jewelry insurance. For scheduled property, the insurance appraisal is vital because it describes the jewelry item and provides the “insured value” that is used in determining the premium you will pay to insure the item each year. Most scheduled property policies do not have an automatic appreciation adjustment as is common for the house and other unscheduled property. Therefore, even if it might cost 50% more to replace an item in five years, the “insured value” is still only that stated in the appraisal.
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Tags: diamond prices, diamonds, insurance appraisal, insurance company, insurance policy, jewelers, jewelry appraisal, jewelry insurance, Jewelry Store

Platinum has become a popular choice for jewelry due to its strength, durability, and marketing efforts of the platinum industry in recent years. Platinum is three times more expensive than gold. Jewelers aggressively market it because they make three times the profit on every platinum item they sell compared to gold. Platinum is a naturally white, lustrous metal that is long lasting. Sometimes the claims of strength and scratch resistance are overstated. Like all precious metals, platinum will scratch. A platinum scratch is different from white gold because it simply “plows” the metal instead of removing it.

Traditionally, jewelry manufacturers used platinum alloyed with metals from the platinum group metals (iridium, osmium, palladium, platinum, rhodium, and ruthenium). With the proper mix of these platinum group alloys, platinum becomes one of the hardest metals making it a strong and durable jewelry metal. Platinum will not rust or corrode and the platinum family metals make it hypoallergenic and ideal for persons with sensitive skin.

Federal Trade Commission (FTC) guidelines for platinum jewelry state that only items consisting of 950 part per thousand of pure platinum can be marked stamped “PLATINUM” or “PLAT” without more alloy information. From 750-950 Platinum, the platinum group metals must also be indicated. For example, PLAT900IRID for 10% Iridium alloy. Historically, the most common alloys in America were 95% Platinum with 5% Ruthenium or 5% Cobalt and 90% Platinum with 10% Iridium.

There is a misperception that the 950 platinum is better than the 900 platinum. However, pure platinum is very soft and the right alloy mix is what is important. Different alloys and different percentages produce better results for different jewelry purposes. Some alloy mixes work better for casting and some are better for handcrafting like bending the prongs over fragile diamond corners. Many artisans feel that PLAT900IRID is the best general-purpose alloy for diamond rings.

While platinum is best known for its use in jewelry, more than 60% of platinum is used for other industrial purposes such as catalytic converters in autos and pacemakers in the medical field. Because of its rarity and the rapidly increasing demand for this versatile metal, the price has soared in recent years.

The high price of platinum has caused some jewelry manufacturers to start using lower percentages of platinum and to use other alloy metals to lower the cost of the jewelry. Unfortunately, these new alloy mixes are reducing the very qualities that made platinum desirable. The new alloys produce more brittle platinum that is more susceptible to damage.
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Tags: appraiser, diamond, diamond rings, jewelers, jewellery, Jewelry, jewelry shopper, platinum, precious metals

Fashion jewelry is not merely the custom to wear certain gems or metals. It refers to much more than that: to fulfilling one’s fantasies and enriching lives by satisfying psychological needs, to peppering existence with a variety of colors, shapes and textures, to tickling senses and giving wings to dreams. Considering this, let’s take the example of amber jewelry, one of the oldest and most astonishing creations of beauty lovers. Fashion has a strong word to say in sustaining amber jewelry and every year new beautiful creations are available on the market.

Combined with precious metals, amber can become an exquisite jewel. The beauty of amber jewelry is a result of good polishing and precise cut of a variety of amber stones. The color of the stones used to make amber jewelry is often gold, but amber can also come into many various unusual colors like: black, green, ivory, yellow, red, orange and even white. Natural amber may contain insects, feathers or flowers. Its colors are a feast to the eye and it is unique due to the fact that it imprisons something, unlike other precious stones. There are amber stones 30-90 million years old and they really represent frozen moments in time. Those treasures are a way to look back into well preserved moments of a life that existed in the past.
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Tags: amber, amber jewelry, gem, gems, jewel, jewelers, Jewelry, jewels, precious stone, stone, stones