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Matthew Rivera
Matthew Rivera

Buy Here Pay Here Jewelry

A homeowners insurance policy will pay for jewelry repair or replacement after a problem covered by the policy, such as a fire. But a standard home insurance policy limits coverage to $1,500 for theft of jewelry, watches, furs, precious and semiprecious stones.

buy here pay here jewelry


A standard homeowners insurance policy covers jewelry, including losses caused by fire, a tornado, theft or vandalism. But the policy normally imposes a $1,500 limit for the theft of jewelry and watches, as well as precious and semiprecious stones. Why is the theft limit so low? Because jewelry is so easy to steal, according to the Insurance Information Institute, a trade group.

A floater can cover jewelry that exceeds the coverage limits of your homeowners policy. A floater itemizes each piece (such as that ruby necklace or engagement ring) and lists types of losses that might be excluded, such as jewelry destroyed in a flood.

A specialized jewelry policy may go beyond a floater by covering incidents that a traditional insurance policy might not cover, such as a chipped stone in a ring or a broken clasp on a necklace, according to the Insurance Information Institute.

Jewelers Mutual lets you choose the jeweler that repairs or replaces your lost or damaged item. (Other insurers may work with jewelry services to settle a claim, meaning a policyholder might not be able to rely on their own jeweler to repair or replace an item, says Don Elliott, director of claims at Jewelers Mutual.)

If you have coverage through a jewelry insurance company, contact that insurer about the loss. The insurance company may ask for your preferred jeweler or suggest you take a damaged piece to the jeweler where you purchased the item. The insurance company will have a claims examiner investigate the loss. The insurer will communicate with the jeweler about the repairs.

Looking to sell jewelry, such as a diamond ring or engagement ring? Wondering where to sell jewelry or who buys jewelry near you? International Diamond Center might just be the best place to sell jewelry. Here are the four options we offer:

Bring your unwanted jewelry, diamonds, watches or gold to one of our locations and have one of our highly trained graduate gemologists or trusted numismatic experts examine your item(s). Our buyer will then make you a cash offer to purchase your item(s).

If you want to freshen up your look by getting a new piece of jewelry, trading in your old piece could be an ideal option for you. We typically give between 20-40% more in total value with a trade-in compared to our cash price.

If you have an item of particular quality and value that you're interested in selling but don't have an immediate cash need, consignment might be the best option for you. Items on consignment will normally yield the customer between 75-90% of the sale price, all of which will be agreed upon at the time the consignment item is received. We typically reserve consignments for items of a particular quality and value. On average items that we take in on consignment will sell between 90-180 days of receiving the item, but in some instances can take up to a year. When you place an item on consignment with us, you always have the option to sell your item outright, trade it towards another piece of jewelry, or request to receive it back. Simply call or email the contact information on the consignment form.

At International Diamond Center, we buy all types of jewelry, so whether you are looking to sell an engagement ring, sell a Rolex, sell a diamond ring, or are simply looking for jewelry stores that buy quality jewelry near you, we are the jeweler to trust. Make an appointment now to have your jewelry inspected, learn our offers, and select the offer that's right for you.

In addition to being your local diamond experts, we employ a team of highly trained graduate gemologists and trusted numismatic experts offering the maximum return for your unwanted jewelry, diamonds, watches and gold for nearly 40 years. We provide our customers with in-person professional consultations, top value for their treasured pieces and quick and secure transactions.

As we celebrate our 110-year anniversary, we reflect on how far we have come since our inception in 1913. Jewelers Mutual was founded by jewelry professionals who recognized the importance of having reliable jewelry insurance tailored to the unique needs of the jewelry industry.

Your policy price is as unique as you are. Renters insurance starts at $5/mo, and homeowners policies start at $25/mo here at Lemonade, but your price will vary depending on several factors, including:

Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.

As the saying goes, you get what you pay for, especially when it comes to jewelry. Fine jewelry will stand the test of times, but the expensive price tag can seem daunting and, frankly, unattainable for the average shopper.

On the other hand, cheap costume jewelry that's typically made of more nickel and plastic than any precious metals isn't an ideal alternative. These items can lead to skin irritation and may not last long as they tend to break or tarnish easily.

Fine jewelry, which Brenner notes can also be referred to as high-end or luxury jewelry, is jewelry that is made with precious metals like yellow gold, white gold and platinum. These pieces may also include diamonds and other precious stones such as emeralds, rubies and sapphires, adds Dustin Lemick, a third-generation jeweler and founder and CEO of BriteCo. Lemick also notes that while some fine jewelry pieces can be made with semi-precious stones, jewelry that is made with any type of imitation stones or base metals is not fine jewelry.

According to Brenner, fine jewelry is an investment that you and your family will be able to enjoy for decades to come. She recommends having at least one or two special pieces that can be worn with less luxury jewelry.

There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay Installments in the future. If you have questions about a missed installment payment, then you can contact Affirm support for assistance.

Oceanside Jewelers has been the place in North County San Diego for selling gold and to sell jewelry for over 21 years. Our staff includes master jeweler Chad Elliott, with over 20 years experience in making jewelry, and a GIA certified gemologist, ensuring that you will get the most accurate assessment and the highest possible price in cash for gold and other valuables. When it comes to selling gold and selling jewelry, at Oceanside Jewelers we believe an educated customer is a happy customer. Many of our customers often have similar questions when they come in to sell gold or sell jewelry. Here are some frequently asked questions and the answers:

A: When you want to sell gold, come to Oceanside Jewelers. We will do a brief yet thorough assessment of your gold jewelry, coins or other gold. We assess the diamonds or gemstones as well as the metals, and put together a cash offer. There is a brief, 3-minute form to fill out, and you are paid cash and on your way. The entire process takes less than a half hour, often less than 10 minutes. We have a secure, private and confidential environment and pay the highest prices in cash for jewelry on the spot. For further information, please visit our gold buying services page here.

A: The quantity of gold by weight and the quality of the gold itself is what affects the price you get when you sell gold jewelry for cash. The condition of the jewelry or coins does not matter as much as the quantity of metal and gemstones.

For diamonds and other gemstones, we base our stone appraisal prices on the Rappaport Index Sheets which are the industry standard. We will have a GIA (Gemological Institute of America) graduate gemologist grade the stones for color, clarity and quality of the cut and base our appraisal on that. For more information, please visit our diamond buying page here.

A: Due to the high volume of jewelry that is being sold on the market, the majority of jewelry is being broken down to its component gemstones and metals and being recycled into new jewelry. This is very environmentally sound. Some very fine and/or antique jewelry will get resold as is.

Dutiable refers to articles on which Customs Duty may have to be paid. Each article has a specific duty rate, which is determined by a number of factors, including where you acquired the article, where it was made, and what it is made of. Also, anything you bring back that you did not have when you left the United States must be "declared." For example, you would declare alterations made in a foreign country to a suit you already owned, and any gifts you acquired outside the United States. American Goods Returned (AGR) do not have to be declared, but you must be prepared to prove to U.S. Customs and Border Protection the articles are AGR or pay Customs duty.

Duty-Free Shop articles sold in a Customs duty-free shop are free only for the country in which that shop is located. Therefore, if your acquired articles exceed your personal exemption/allowance, the articles you purchased in Customs duty-free shop, whether in the United States or abroad, will be subject to Customs duty upon entering your destination country. Articles purchased in a American Customs duty-free shop are also subject to U.S. Customs duty if you bring them into the United States. For example, if you buy alcoholic beverages in a Customs duty-free shop in New York before entering Canada and then bring them back into the United States, they will be subject to Customs duty and Internal Revenue Service tax (IRT). 041b061a72




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