Diamonds are reputed for their durability and resistance to scratching, but can be damaged if not well cared for. Diamonds can be scratched by other diamonds, chipped if struck, or lost if the setting becomes loose.
Protect your diamond jewelry by wearing it with care and storing each piece in its own padded box or cloth bag.
It is best to remove your jewelry when bathing, cleaning, or applying lotions. Chemicals (even sweat) can have an adverse effect on precious metals. To prevent buildup and keep your jewelry brilliant, gently wipe it using a lint-free cloth.
To clean your jewelry, soak it for a few minutes in a mixture of warm water and mild soap. A soft cloth can be used to gently rub the metal. Note that for pave and basket settings, prolonged soaking can increase the chance of gems becoming loose.
If dirt is lodged in the setting, it can be carefully removed with a toothpick. Remember: Your diamond may be scratch-resistant, but the metal is not.
Having your jewelry periodically cleaned and examined by a professional jeweler will help ensure it remains in good condition over time.
Insuring your jewelry is the best way to protect your investment from unforeseen events, specifically theft or loss.
If you decide to insure your jewelry, the first step is to check what coverage is provided by your home insurance. It will likely be less than the value of your piece.
Many insurance companies offer insurance specifically for jewelry, so it is wise to shop around and compare policies. Some points to consider:
- What is the deductible?
- Are you covered for the full cost of the piece?
- Is the policy for a replacement piece or a cash payout?
- What type of appraisal is required and how often?
- Does the policy cover damage? Loss or theft abroad?