When you invest in diamond jewelry, you want to ensure that your investment is protected. Whether you just got engaged or finally gifted yourself a beautiful pair of gold earrings, keeping your jewelry safe is so important. The question is, do you have jewelry insurance? Or do you really need it? We’re answering all your questions and giving you all there is to know about jewelry insurance. 

We often insure the most expensive items we own, such as our cars or homes. But in many cases, we don’t think about our jewelry? Your jewelry is something that holds more than just sentimental value as it can be a symbol of love or legacy, and these pieces are often irreplaceable. Read on to find all the answers to some of the most common questions about jewelry insurance.

What Is Jewelry Insurance?

Jewelry insurance is unfortunately an unknown concept to most people, but protecting your jewelry by having insurance is a very smart move. 

Jewelry insurance works just like any other insurance. It is an important guarantee that will give you the peace of mind you need in case of any unfortunate event. However, this insurance specifically covers your precious pieces including, diamond necklaces, earrings, engagement rings, or any other valuable jewelry.

Insurance is a form of risk management that protects you from financial repercussions if your jewelry is damaged, stolen, or lost. These policies normally cover all jewelry items submitted for coverage and result in either replacement, repair, or reimbursement of costs. 

How Does Jewelry Insurance Work?

In terms of coverage, most jewelry insurance policies will cover the full spectrum. When items are stolen, damaged, or lost, your policy takes effect. Most of the time, jewelry insurance is more comprehensive than your regular homeowner’s policy. And while the majority of those do cover jewelry, it tends to be a smaller amount and only if the piece of jewelry is stolen. 

When Should You Get Jewelry Insurance

Fortunately, anyone can get jewelry insurance at any time for new or existing items. For example, if you and your partner are about to purchase wedding rings, you can insure them from day one.

However, if you’ve built up a collection of diamond jewelry over time and are only thinking about insurance now, don’t worry, the option is available for you too. If this is the case, you will most likely need to show proof of purchase or get a valuation done if you lost those documents.

The same applies to heirloom jewelry pieces. While it would be impossible to truly replace a diamond bracelet that once belonged to your great-grandmother,  you can have the item appraised so that a policy can be purchased for it.

How To Get Insurance On Jewelry

Most basic homeowners or renters insurance policies provide some coverage for your valuables such as jewelry. For the most part, it will only cover your jewelry up to a certain amount of dollars.

A standard policy commonly has a coverage limit which is generally around $1,500. This means that your insurance company won’t pay more than this amount as reimbursement if your jewelry is stolen.

It is important to note that selecting a company that specializes in jewelry insurance will most likely give you more comprehensive coverage.

How Much Does Jewelry Insurance Cost

Just like with all types of policies, jewelry insurance costs are based on the value of each item, how often you wear the piece, and the amount of coverage you wish to have. Experts claim that typically between 1 – 3% of the item’s overall value is paid each year. Basically, if your diamond engagement ring costs $10, 000, you will end up paying $100 to $300 in annual insurance premiums.

You can avoid paying too much for your jewelry if you know exactly how much it costs. For example, overestimating its value could result in paying more than you need to. Alternatively, if you underestimate it, you might lose out financially in the event of a claim.

It’s also important to note that rates vary depending on where you live. You can get a quick and simple estimate of what you can expect to pay in your state on Jewelers Mutual’s homepage by using their free estimate tool. 

What Is Engagement Ring Insurance?

From the very moment you say “yes,” and begin rocking your new, dazzling addition on your hand, the thought of getting engagement ring insurance may be the furthest thing from your mind. But as they say, with great rings come great responsibilities. And, fortunately, during such a happy time, jewelry insurance can provide the peace of mind you need for less than you think. 

An engagement ring is among one of the most expensive things you will buy or own in your lifetime. So why not insure it? 

Engagement rings are also highly susceptible to damage or loss. Think about it, it is typically worn every day which increases the likelihood that it will be lost, damaged, or stolen.

How Can I Keep The Cost of My Jewelry Insurance Low?

When shopping around for insurance or buying a standalone jewelry insurance policy, it’s important to compare prices to find the best policy for you. Additionally, there are several different things that can easily help keep the cost of your jewelry insurance low. 

It may be possible to reduce your premiums if you have security measures such as a burglar alarm and quality locks. Or, you could consider purchasing a safe to keep your jewelry in when not in use.

Even if you don’t show off your stunning jewels, you can never be sure they will be safe at home. In fact, jewelry is one of the most commonly stolen items out of homes. 

Does JamesAllen.com Insure Jewelry?

Although we provide you with an insurance appraisal that you can use to obtain coverage, we do not provide jewelry insurance.

We know that jewelry mishaps are way too common but luckily we at JamesAllen.com have partnered with Jewelers Mutual (JM) Insurance Company. Together we provide you with warranties against damage AND comprehensive jewelry insurance – so you can be protected against wear-and-tear, loss, theft, or extensive damage. 

Insuring your jewelry with Jewelers Mutual® Jewelry Insurance is quick and easy, and leaves you with a feeling of emotional and financial security. Learn more and get your free quote today. 

Jewelers Mutual® Jewelry Insurance Advantages:

• Comprehensive worldwide coverage that extends beyond ordinary homeowners insurance;
• Protection against theft, damage, accidental loss, and mysterious disappearance;
• Flexibility to choose your own jeweler;
• Repair of damaged jewelry with the same level of quality as the original;
• Replacement of lost jewelry with the same brand and type;
• Graduate Gemologists (GIA) with a passion for jewelry on staff.

Ask The Right Questions

Being adequately informed is super important when deciding which insurance option or provider is best suited to your needs. Here are some great questions to ask while researching diamond jewelry insurance policies:

• Is there a deductible or discount if you have a home security system?
• If you’re insured for replacement (instead of a cash payout), where can you purchase a new ring?
• Are you covered for the full replacement cost of the diamond jewelry and will you receive a cash settlement or a replacement item?
• What happens if a suitable replacement cannot be found?
• How will you need to prove the piece of jewelry was stolen if you make a claim?
• Are there any circumstances that aren’t covered?
• In the event of a damaged or lost item overseas, does the policy cover you fully?
• Are you covered for damage or just loss and theft?
• Will the policy adjust according to inflation?
• What types of repairs contribute to the deductible?
• How often do you have to provide appraisal reports to the insurance company, and which ones do they accept?

Tips on Insuring Your Jewelry

• Make sure you compare insurance companies online or by phone before you choose one.
• Read all the details of the policy carefully before you pay for extra insurance.
• Make sure you understand the rules of the particular insurance company you choose.
• To avoid any nasty surprises should you need to make a claim, you should read the terms and conditions of your jewelry or contents insurance policy carefully.
• Check whether your jewelry is covered for the total replacement cost and if you can receive a cash settlement instead of a replacement item.
• It’s important to know that your insurance company may require periodic appraisals.
• Find out if you are eligible for a discount if you have a security system, such as an alarm.

FAQs

Does JamesAllen.com provide insurance appraisals?

Yes. Every finished engagement ring or piece of fine jewelry valued at $1,000 or higher will be accompanied by a full insurance evaluation.

Does JamesAllen.com offer additional insurance coverage?

We have collaborated with the Jewelers Mutual (JM) Group to provide an upgraded 3-year or lifetime protection plan that protects your jewelry against even more of life’s surprises. You can purchase either one of these plans during checkout or at any time afterward. Click here to see what’s covered and learn how to upgrade your warranty.

What Is Covered Under Jewelry Insurance?

Generally, it differs between insurance policies, but rings (including wedding and engagement rings), earrings, bracelets, necklaces, loose diamonds, and watches are typically covered by jewelry insurance. We recommend looking for an insurance company that provides the exact coverage you need. 

The bottom line is that you never know what the future holds, right? So better to be sparkly and safe than sorry! 

Have any further questions? Feel free to contact our customer service team.

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Tarryn Snoyman

An experienced content writer with four years' experience, Tarryn enjoys educating and guiding jewelry shoppers, providing them with valuable insights and best practices for making informed purchases.

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Picture this, you’re just about to head out the door for a long-awaited fabulous girls’ night out. You’re wearing your favorite pearl necklace feeling like the epitome of elegance just like Audrey Hepburn. But it dawns on you, are those beautiful pearls around your neck the real deal or just a glamorous imitation?

We’re here to dive deep and give you all the pearls of wisdom you need on how to tell a real pearl from a fake one. Shall we begin? 

What Are Real Pearls?

Let’s get into what pearls really are. Pearls, the June birthstone, are truly unique, given that they are the only gemstones formed inside living creatures, which may be why they’re often referred to as the queen of gemstones.

What Are Fake Pearls? 

Fake pearls, often referred to as faux pearls, synthetic, or imitation pearls, are man-made look-alikes of natural pearls. Unlike genuine pearls, which grow within mollusks like oysters and clams, fake pearls are made from materials such as glass, plastic, or even coated beads. 

For some, artificial pearls can still be beautiful and serve as affordable alternatives for those who want the elegance of pearl jewelry without the cost associated with genuine pearls.

Touch & Feel Temperature  

One way to test if pearls are real is to touch them and feel the temperature. Initially, real pearls are cold to touch before warming up to your skin. Fake plastic pearls are usually room temperature and you don’t feel any coolness when you touch them. 

Keep in mind that fake ones that are made of glass beads can be cool to touch to start with. But it tends to take them longer to warm up against your skin than real pearls.

Look For Small Irregularities 

When you examine real pearls closely or under magnification, you’ll notice tiny irregularities and ridges on each pearl’s surface. In a strand of cultured pearls, you can always see very tiny differences between them, even when they are top quality and well-matched. If the pearls are completely perfect and identical in terms of shape, size, color, and surface characteristics, they are probably fake.

In addition, cultured and natural pearls reflect light differently from fake ones. The luster of fake pearls has a glassy look and is unnatural.

Observe The Shape 

Did you know that the majority of pearls are rarely round? Pearls come in different shapes including, round, near-round, oval, button, drop, and baroque.  

In general, a pearl shape is one of the major value factors when it comes to evaluating and pricing pearls. Round pearls are likely to receive a higher price than pearls of other shapes. But even with a strand of real pearl necklace that is perfectly round, you can still see some slight differences in their pearl shapes.

Keep in mind that if the pearls are completely identical, it’s probably a sign that they’re machine-made.

Surface Test 

A surface test is simply checking the surface of the pearl for imperfections, irregularities, and unique characteristics. 

Real pearls have: 

• Slight blemishes like tiny bumps 
• Ridges
• Rough and grainy textures

These are natural features and are known as “pearl growth indicators.” 

On the contrary, fake pearls tend to have perfectly smooth surfaces without any natural imperfections. It is often possible to determine whether a pearl is real or fake by carefully examining the surface texture.

Tooth Test 

When it comes to detecting fake pearls, the pearl tooth test is one of the most important methods. This text determines a pearl’s softness or durability.

For this test, you’ll simply take a pearl and lightly rub it against the biting edge of your teeth. A real pearl will feel gritty or slightly rough while a fake pearl will feel slippery and smooth. Some fake pearls will not even rub because they have been created using glass or synthetic materials.

Examine Color 

Both natural and cultured pearls often have an overtone, a translucent color that appears on the outer surface of a pearl. It is especially noticeable among fine-quality pearls. You’ll see a hint of pink or green over the main pearl color. A real pearl should have natural, unaltered color with a smooth surface and luster similar to a mother pearl’s natural color and brightness

A fake pearl will most likely have a discolored surface, have one color, and usually have a clear protective coating. As a result of the synthetic material used, it will appear duller than its true reflection. fake. 

Drill Hole Examination

Often, jewelers must drill directly into pearls to secure them in a setting or string them onto a necklace or bracelet. Examine these holes carefully – do you see any peeling, flaking, or chipped paint? Does that opening appear to be covered in dyes or coatings? 

You likely have fake pearls if this is the case. On the other hand, real pearls will have crisp and perfectly clean drill holes. 

Feel The Weight 

Another tried and tested method is to hold the pearls in your hand to feel their weight. Fake pearls are more commonly light, so you shouldn’t feel any significant weight. Authentic pearls do, however, have weight to them, so if they feel heavier than you expected, they are most likely real.

FAQs 

Why is the drill hole examination important?

Examining the drill hole in pearls is crucial because it can reveal the internal structure and material consistency, indicating whether the pearls are genuine or fake. Real pearls typically have a smooth, consistent drill hole, whereas fake ones may exhibit irregularities or signs of artificial manufacturing.

Are there any household items that can be used for authenticity testing?

Yes, some household items can be used for authenticity testing of pearls. These may include rubbing pearls against your teeth (real pearls should feel slightly gritty), checking them under a magnifying glass for surface irregularities, or testing their weight (real pearls are typically heavier than fake ones).

Can fake pearls pass the tooth test?

Yes, fake pearls can pass the tooth test to some extent. Some high-quality imitation pearls, such as glass or plastic beads coated with a pearl-like substance, may feel smooth and slightly gritty when rubbed against the teeth, mimicking the sensation of real pearls. However, the tooth test is not foolproof and should be used in conjunction with other authenticity tests for a more accurate assessment.

Do fake pearls always look perfect?

No, fake pearls don’t always look perfect. While some high-quality imitation pearls can closely resemble real pearls in appearance, others may exhibit noticeable imperfections such as irregular shapes, uneven surfaces, or inconsistencies in color and luster. These imperfections can sometimes help distinguish fake pearls from genuine ones upon close inspection.

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Tarryn Snoyman

An experienced content writer with four years' experience, Tarryn enjoys educating and guiding jewelry shoppers, providing them with valuable insights and best practices for making informed purchases.

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Is it time to start ring shopping? Congratulations! Buying an engagement ring and gearing up for the proposal is truly an exciting time. Don’t know where to start? Scroll down for expert advice!

We sat down with Sarah, one of James Allen’s senior customer service reps, to talk about some common questions she encounters on a daily basis from customers. Whether it’s about buying an engagement ring or making proposal plans, read on for her top engagement ring tips and more!

1. Shape Your Thoughts

When you’re just getting started, we recommend thinking about shape preference. ‘A round center stone is never going to go out of style, and it is by far the most popular shape,’ explains Sarah. If you don’t know where to begin, play it safe and go for a round center stone.

Oval cut and pear shaped diamonds are a great choice if you prefer something a bit more trendy.

2. Timing Is Everything

When you’re thinking about the proposal, consider timelines and how long it takes to make your ring. ‘I always remind our customers to allow themselves enough time because all our rings are made to order,’ adds Sarah.

So, remember, whatever you choose, give yourself a few weeks before getting your hands on these gorgeous pieces.

3. Let’s Talk Budget

You may have heard about the ‘three-month salary rule’, but we believe you should determine how much you can comfortably spend overall. There are no set rules when it comes to how much money you should spend on an engagement ring.

Keep in mind that the price tags of an engagement ring can vary significantly, so it’s important to choose one that fits your budget.

‘Once we know what style the customer wants, the best-sellers are a good reference,’ adds Sarah. We have a wide selection of stunning options for every kind of budget and won’t break the bank.

Looking to sparkle and save? We teamed up with proposal expert Stacy Stahl to cover all your ring budget questions, including:

1. How much should you spend on a ring?  
2. Does bigger mean better? 
3. How can you save money? 
4. What’s the average amount spent?

Listen to her tips in the video below to find the best bling for your buck:

4. A Two-Way Street

Engagement ring shopping is usually a two-way street. ‘You should always keep your partner in the loop and follow their lead’ advises Sarah. Your partner is going to be wearing the ring every day, so make sure they love it!

If your significant other hints at something other than a classic solitaire, try something different like these vintage-inspired engagement rings.

FAQs

What is most important when picking an engagement ring?

The most important characteristics you should pay attention to when buying an engagement ring are the diamond’s cut, color, weight, and clarity. A diamond’s price and appearance depend on these characteristics.

How can I make my engagement ring special?

There are many different and beautiful ways to make an engagement ring special. At JamesAllen.com we offer you the opportunity to design your dream ring using our Ring Studio.  And for an extra personal touch, you can also engrave a meaningful message (for free) on the inside of your engagement ring. 

How do you properly wear an engagement ring?

Despite there being no right or wrong way to wear an engagement ring, engagement rings are usually worn on the left ring finger. This is the most common choice, and in many western cultures, the wedding ring finger is traditionally said to be the fourth finger on the left hand. However, the “ring finger” is not the same in all cultures and countries. 

What should you not do when buying an engagement ring?

When it comes to engagement ring shopping, many people often make the same mistakes. To make sure both the engagement ring and the proposal moment are close to being perfect, it’s so important to keep these in mind:

• Set a budget 
• Do your homework and get all the information you can 
• Check your partner’s ring size partner
• Consider your partner’s personal style. 
• Plan the proposal  

Happy Shopping

Looking for real-life proposal inspiration? Take a look at our customers’ engagement moments from all over the world.

You can also contact us if you need help finding your dream engagement ring. Our diamond and jewelry experts at JamesAllen.com are always available to answer any questions you may have. We look forward to assisting you!

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Tarryn Snoyman

An experienced content writer with four years' experience, Tarryn enjoys educating and guiding jewelry shoppers, providing them with valuable insights and best practices for making informed purchases.

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Creating Customized Jewelry

Designing your own custom jewelry online is an exciting process and allows individuals to create personalized accessories by selecting materials, gemstones, and styles from the comfort of their homes. Through intuitive online platforms, customers can take an idea and, by visualizing their designs in real-time and making adjustments, translate that dream into a unique, perfectly tailored piece of jewelry.

At James Allen, you can design a one-of-a-kind engagement ring that’s true to your personality by customizing it with vibrant gemstones, colored diamonds, and a variety of metal alternatives, ensuring your ring is as unique as your love story. If you wish, we can create and design a unique engagement ring to your specifications, using state-of-the-art technology that brings your vision to life.

Exploring Customization Options

Choosing Your Base Piece

Selecting the ideal base piece is the first crucial step in customizing your jewelry, setting the tone for the entire design. This important choice involves deciding the form — such as a ring, necklace, or earrings. Another key step is deciding on the material that you want, which could range from various precious metals to different settings for gemstones. It’s essential to think about the jewelry’s intended use when choosing durability and design, whether it’s for everyday wear or special occasions.

Selecting the Perfect Diamond

Explore our extensive collection of over 500,000 certified, conflict free lab or earth created diamonds in stunning 360° HD and up to 40x SuperZoom. You can also receive free, personalized diamond consultation from our certified gemologist to ensure you make the perfect choice. Our Real-Time Diamond Inspection is a game-changer for online ring shoppers, this allows you to view and inspect loose diamonds instantly.

Simply browse the diamonds you’re interested in alongside one of our professionals by scheduling a consultation. Ask questions, mark points of interest on the screen while chatting with your diamond expert in real-time, and review everything from the diamond specs to the grading certificate together, all while finding the ideal diamond tailored to your budget.

Our wide range of loose diamonds also includes a TrueHearts™ collection of cut-to-perfection lab grown diamonds.

Personalizing with Precious Metals

Choosing the right metal for your engagement ring is a crucial part of the ring design process. It’s also important to choose a metal you love, but it’s got to love you back. While it’s essential to choose a metal that resonates with your taste, it should also stand up to daily wear. Let’s explore the options available to you:

Yellow gold (14k or 18k)

White gold (14k or 18k)

Rose gold (14k)

Platinum

Yellow Gold:

Available in 14k and 18k, yellow gold is the most common metal choice. Versatile and easy to maintain, it appeals to those who adore its rich appearance and hue. Yellow gold looks great on just about every skin tone and is perfect for those who prefer a traditional and timeless look.

White Gold:

Available in 14k or 18k, white gold has the look of platinum, but at a more affordable cost! This beautiful and classic metal color makes it perfect for everyday wear.

Rose Gold:

If you’re looking for something unique yet romantic, this is the one for you. Available in 14k, Rose gold is more durable than both white gold and yellow gold, while boasting a similar price point. Its distinctive pink hue offers a fresh and contemporary alternative to other metals.

It’s important to note that rose gold gets its beautiful coloring from a blend of gold, copper, and silver.  While copper contributes to rose gold’s affordability and durability, it’s not hypoallergenic. So, anyone with copper allergies should avoid rose gold.

Platinum

A naturally white metal and a luxe choice. Platinum offers both eye-catching beauty and value. It’s also known for its durability and hypoallergenic properties. The positive qualities of platinum are reflected in its price, which makes it one of the more expensive options.

Designing Your Custom Jewelry

The Ring Studio is a new feature at JamesAllen.com that allows you nearly unlimited customization options for engagement rings. Jump into the designer’s seat and take full creative control of the entire process. Create a custom engagement ring, from scratch by hand-picking your favorite setting from a range of over 100 options. Then browse through our gorgeous array of ring styles! From timeless solitaires to vintage elegance, embrace the allure of sparkling pavés, radiant side stones, and so much more

You also get to pick the metal of the ring’s head and shank, complete with your specific center diamond or gemstone. Or, tweak a James Allen design you love to make it even better.

Remember: Some baskets, bands, and stone shapes aren’t necessarily compatible with one another. For example, only certain stone shapes will fit into certain baskets. If your heart is set on a specific combination that’s not available in the Ring Studio, contact our 24/7 customer service team to request a custom ring. You can count on them to do everything they can to meet your expectations.

Adding Unique Engravings

Did you know that we offer free engraving on most of our engagement rings and wedding bands. The option of engraving will be presented to you during checkout if it is available for your selection.

Personal ring engravings can be any alphanumeric combination up to 20 characters in length. Looking for inspiration? Consider engraving your engagement ring or wedding band with your anniversary date, an expression of your love, your initials, or a phrase with a special meaning that only you two understand! 

Related blog post: Engagement Ring Engraving Ideas 

Finalizing Your Custom Creation

Virtual Try-On

You’ve designed the ring and you know it fits your heart, but what about your finger? Believe it or not, technological innovation is making that worry a thing of the past. See how your design will look in real life with our Virtual Try-On feature, straight from your smartphone.

We’re firm believers that your ring-trying experience should align with your way of life. For such a significant purchase as an engagement ring, it is vital that you try it on and get a feel for it before committing to it. So, how does this make buying an engagement ring online more convenient? Simply take a photo of your hand, and virtually slide on the ring you’re eyeing eliminating any second-guessing you might have. And really, what tops the luxury of sampling an infinite array of rings whenever, wherever you want?

360° Viewing

Thanks to our Diamond Display Technology™ you can explore your diamond’s cut, color, clarity, and sparkle in 360° HD views and up to 40x magnification so you can truly understand your diamond’s features. Our Diamond Display Technology™ gives you a detailed and fully immersive experience to help you understand your diamond’s quality. Additionally, you can browse our wide range of fancy-colored diamonds and natural gemstones for an exotic alternative to colorless diamonds.

Why Should You Customize Your Jewelry Online

Customizing your jewelry online offers unparalleled convenience, allowing you to design and refine your piece from the comfort of your home. James Allen offers access to a vast array of design options, materials, and gemstones, at competitive prices. Furthermore, with the help of cutting-edge visualization tools, technology, and consultations with gemologists and diamond specialists, you’re guaranteed a distinct and superior-quality piece that reflects your individual aesthetic and aspirations.

What Is the Cost of Customizing Jewelry Online

As there are many factors involved when customizing jewelry online, the cost varies widely. This is often based on things such as the quality of gemstones or diamonds, type of metal, and the intricacy of the design. In order to ensure transparency and budget alignment, you should obtain a detailed estimate from one of our experts before finalizing any design.

Is It Cheaper to Customize Your Jewelry Online

Customizing your jewelry online can often be more affordable than traditional methods, mainly because of the reduced overhead costs associated with physical stores. Most online platforms have direct access to a variety of suppliers, allowing for competitive pricing of gemstones and other materials. With no middlemen involved, customers often pay a fraction of what they would at a brick-and-mortar jeweler. Additionally, you can compare prices instantly online to ensure you’re getting the best deal on your customized piece.

What Are the Pros and Cons of Customizing Your Jewelry Online

Like anything, customizing jewelry online comes with its own set of advantages and disadvantages. Let’s uncover the various pros and cons to help you navigate the digital creation of your unique adornments.

Pros of Online Customization

• Convenience: Online customization offers the ease of designing and ordering personalized jewelry from the comfort of one’s home, eliminating the need for physical store visits.
• Cost-Effectiveness: With lower operational costs than physical stores, online platforms can offer more competitive pricing and easy price comparisons for custom jewelry.
• Real-Time Visualization: Advanced technology on many online platforms enables 3D rendering and virtual try-ons, allowing customers to view and modify their designs in real time. Customers can achieve a clearer and more detailed view of the diamond online than with the naked eye. 
• Personalized Experience: Online platforms often store previous designs and preferences, enabling a more tailored shopping experience and making it simpler to create new pieces that align with your personal style and needs. 
• Eco-Friendly Options: Many online jewelers offer sustainable materials and ethically sourced gemstones, allowing environmentally conscious customers to create a piece of jewelry that aligns with their values.
• Extensive Selection: We offer an unmatched array of jewelry collections. From engagement rings to men’s and women’s wedding bands, diamond masterpieces, precious metal creations, and rare loose diamonds – our expansive selection outshines what conventional jewelry stores offer!

Cons of Online Customization

• Shipping Risks: Jewelry needs to be shipped after being ordered, which can cause delays, loss, or damage, depending on how reliable the courier service is.
• Overwhelming Options: For some customers, online shopping can seem overwhelming with so many choices and design options to choose from.
• Digital Misrepresentation: Sometimes, photographs and digital representations do not always capture the true color, brilliance, or subtleties of gemstones and metals. This can lead to a final product that does not meet the customer’s expectations.

FAQs

Can I see a physical sample of my custom design before purchasing?

Each ring is handcrafted at the time of purchase. When you select a center stone and setting, you will see a Computer-aided design of your design (with the general shape of your center stone) If there are any recently purchased ring videos we have to share, that will be available for you as well. Please keep in mind that the CAD shown and recently purchased videos are not representative of your exact ring and center stone details.

Can I make changes to my design after placing the order?

Yes! Our customer service team is happy to assist with exchange requests before your design has shipped if you have a change of heart. Keep in mind that any changes to the setting or even just the center stone will require the production process to start over, so be prepared to wait a little longer for your order to ship. Fully custom designs are non-refundable and once the order starts production, we are limited to what changes can be made.

Additionally, changes to engravings or ring sizes may also delay an order beyond the original projected completion date.

We’re Here To Help

Finding the perfect engagement ring, diamond pendant or diamond studs can come with stress, questions, and a lot of second-guessing. At James Allen, we offer you 100% free advice and will assist you in understanding the best diamond quality for your budget and unique preferences. 

Contact our highly rated customer service team and chat with non-commissioned diamond and jewelry experts 24-7 regarding any questions you have about buying an engagement ring online and the process around it.

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Tarryn Snoyman

An experienced content writer with four years' experience, Tarryn enjoys educating and guiding jewelry shoppers, providing them with valuable insights and best practices for making informed purchases.

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Since 2006, as a leading e-commerce jewelry and loose diamond retailer, we’ve had the privilege of helping numerous customers deepen their understanding of gold jewelry.

From Karat to Carat, and the measurement of the purity of gold, it’s totally understandable they can all be confusing. Ready to learn more about high karat gold? Let’s dive right in!

What is a Karat?

Karat is outlined as a measurement of the purity of gold. In the world of fine jewelry, understanding gold’s purity is essential. 

Think of 24 karat (24K) gold as nature’s gold, untouched and pure with no other metals. While 18 karat (18K) gold is 75% of that pristine gold, blended with 25% of other fine metals. There’s also 14 karat (14K) gold, which contains 58.3% gold and 41.7% other alloys. Lastly, 10 karat (10K) gold, is often considered to be the least pure gold on the market for ‘gold jewelry’. Gold accounts for 41.7% of its composition, while other metals make up 58.3%.

At JamesAllen.com, we believe in precision and authenticity. While these percentages do vary slightly, it’s important to remember that this may be the case as jewelers perfect their craft finding the perfectly toned metal that works best for them. However, any gold jewelry labeled with a specific karat will closely align with the standards set by the millesimal fineness chart.

What’s the Difference Between Karat and Carat?

“Karat” and “Carat” are two terms that are often confused with one another. For a better understanding, keep scrolling.

Gold Terms to Know

Karat (K): A unit of measurement used to express the purity of gold in an alloy. Pure gold is 24 karats, while alloys are represented as fractions of 24.

Alloy: A mixture of two or more metals, often used in combination with gold to enhance its properties like strength and color.

Hallmark: A stamped mark on gold items that indicates their purity and authenticity, usually accompanied by the karatage (e.g., “18K”).

Assay: The process of analyzing the composition of a metal to determine its purity.

Fining: A process used to remove impurities from gold by melting it with substances like borax or saltpeter.

Malleability: The property of gold that allows it to be hammered, rolled, or shaped without breaking.

Gold Plating: The process of depositing a thin layer of gold onto the surface of another metal through electroplating.

Refining: The process of purifying raw gold through various chemical and physical processes to remove impurities.

What Are The Advantages And Disadvantages Of High Karat Gold?

The allure of high karat gold is undeniable, but how does it fare in practical terms? Let’s unravel some of the advantages and disadvantages. 

How to Choose the Best Karat for You

When choosing your gold jewelry karat, it’s important to think about your style and the item’s function. For pieces such as engagement or wedding rings, you’ll want 18K gold at the very least due to the balance between its purity and durability. Since we use our hands on a daily basis, it’s easy for rings to be scuffed on a daily basis. 

In contrast, when it comes to jewelry items that are less susceptible to damage, such as earrings or pendants, it’s entirely reasonable to indulge in 24K designs. These pieces usually rest gently on the body, minimizing the risks of scratches or dents.

Related blog post: 14K Gold vs. 18K Gold: What’s The Difference And Which “K”  Is Right For You?

What Is Gold Purity?

Gold purity refers to the proportion of actual gold content within a given item or alloy. It is an important metric in the jewelry industry that helps to indicate the quality and value of a gold piece. 

This purity is commonly measured in two main ways: first through the karat system, which scales from 1 to 24 (with 24 karats indicating pure gold), and the millesimal fineness, which is measured in parts per thousand. For instance, in the karat system, 18K gold signifies that the alloy is made up of 18 parts gold and 6 parts other metals. 

Understanding gold purity helps consumers gauge the authenticity, value, and quality of their gold possessions.

What Is the Difference Between Pure and High Karat Gold?

Each piece of jewelry is characterized by its karat or the amount of pure gold used. Pure or 24-karat gold is 100% pure gold. And, high karat gold refers to any piece with more than ten karats of pure gold. Generally, high-end jewelry is made with at least 10K gold.

What Is the Highest Karat of Gold?

The highest karat of gold is 24K gold. 24-karat gold is 100% pure and does not contain any other metals. This makes it the purest gold available, meaning, it has zero impurities and is usually softer than lower karats such as 10K and 14K.

As we mentioned previously, gold comes in various karat levels, indicating its purity. The higher the karat, the less the metal is mixed with other metals during refinement. While 24K gold has the highest purity, its ability to bend restricts its use in jewelry pieces like wedding bands, especially when detailed designs or subtle curves are desired. On the other hand, 10K gold, comprising of 41.7% pure gold, is celebrated for its durability and is frequently chosen for crafting jewelry.

Does a Higher Karat Mean Higher Quality Gold?

You may have heard that 24K gold is the “highest” karat gold. But high karat doesn’t directly translate to higher quality. But let’s break it all down for you. It does mean that 24K gold has more actual gold in it compared to, say, 14K or 10K. That makes it more valuable, sure, but not always “better” for every purpose. 

Here’s why: 24K gold is super soft. Imagine trying to make a sculpture with soft clay versus firm clay. The softer it is, the trickier it gets. That’s why you don’t see a lot of jewelry made from 24K gold. On the flip side, 18K gold hits that sweet spot. It’s both gorgeous to look at and strong enough for pieces like rings, earrings, and bracelets. Think of it as the MVP in the gold world – bringing both beauty and strength to the table.

How Can You Tell if Gold Is Real?

• The best way is to take your gold jewelry to a reputable jeweler who can test it
• Check to see if it has been stamped (real gold should be stamped somewhere with its karat measurement (usually 10K, 14K, or 18K).  
• Alternatively, fill a bowl or glass with water, and drop the gold into it. If it floats, it’s not real gold. It’s likely genuine if it sinks since real gold is quite heavy.

FAQs

Can I wear high-karat gold jewelry every day?

Yes, of course, you can wear high-karat gold jewelry every day! However, it’s important to note that due to its purity and softness, it is more susceptible to scratches and dents. Such jewelry should be handled with caution during activities that could damage it.

How do I determine the authenticity of karat gold jewelry?

To determine the authenticity of karat gold jewelry, firstly, you check for a hallmark or stamp indicating the gold’s purity, e.g., “14k” or “18k”. You can also make sure to buy from reputable sources or brands to ensure quality and authenticity. Otherwise, consider having your gold jewelry tested by a professional jeweler.

Does a Higher Karat Mean Higher Quality Gold?

Yes. In general, a higher karat indicates a greater percentage of gold in the alloy and, therefore, a higher degree of purity. For instance, 24-karat gold is considered pure gold, while 18-karat gold contains 75% gold. Quality is subjective; even though higher-karat gold is purer, it may be less durable in certain jewelry applications due to its softer nature.

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Tarryn Snoyman

An experienced content writer with four years' experience, Tarryn enjoys educating and guiding jewelry shoppers, providing them with valuable insights and best practices for making informed purchases.

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Gold will forever be a timeless favorite for jewelry wearers. However, although gold is often mistaken for only being yellow, its beautiful and diverse shades and hues can sometimes be overwhelming.

Keep reading to find out all there is to know about the different colors of gold. Plus, we’ll assist you in finding out which color of gold color for your next piece of jewelry.

What Is Gold?

Gold is a valuable element steeped in a rich history of wealth and affluence. It is a dense precious metal labeled Au on the periodic table of elements. In its purest state, it gleams with a radiant yellow color and is highly durable and malleable. Gold is often naturally found in a pure form. 

Embedded within the Earth’s crust, this precious metal is widespread within various igneous rock formations, although in relatively low concentrations.

What Is Colored Gold?

Since pure gold is highly malleable, it cannot be used for jewelry production by itself. To make practical jewelry that can withstand everyday wear, gold must be combined with other metals called alloys. Silver, copper, and palladium are the most common alloys used to solidify gold. When blended with varying proportions of gold, these alloys produce various shades and radiant hues.

Aside from its resilience, gold has many other valuable features. Here are just a few reasons why gold is the most popular choice for jewelry around the world:

• It doesn’t tarnish
• It’s durable enough to last a lifetime 
• Beautifully crafted
• It has traditionally been associated with societal status and a symbol of wealth

Most people believe gold is only available in three colors – yellow, white, and rose. Although those are the most popular, did you know gold comes in many other hues, such as black, purple, and green?

What Are Karats Of Gold?

Karats, abbreviated as ‘k,’ is a measurement unit that marks gold’s purity (content) when alloyed with other metals. When gold is at its purest, it is labeled 24k. However, you’ll unlikely see this on jewelry as it’s too soft for practical use.

Knowing what each karat type means and how it affects the price tag is so important when purchasing gold jewelry. In different parts of the world, minimum karat requirements for gold-labeled jewelry vary, although there are no maximum karat requirements. For instance, in the United States, gold jewelry must be at least 10k, whereas, in the UK and France, the minimum is 9k.

Let’s take a closer look at the standard Karat measurements.

The Origin of Gold

Colored gold dates back centuries, including early references to rose gold being used as far back as the first millennium. As the 19th century progressed, Carl Faberge, jewelry to the czars, popularized rose gold with his decorated Faberge eggs. Then during the early 1900s, rose gold was widely used by women of high social status for fine jewelry and engagement rings.

What Are The Different Shades of Gold?

Did you know that gold comes in various rainbow shades? While some gold colors are purer than others, the rare shades are available for your favorite jewelry pieces. Let’s take a look:

Common Gold Shades

Although each shade of gold varies in color subtly, eight main types of gold are used to make jewelry. Here is a closer look at each one.

• Yellow gold is what most people think of when they imagine pure gold. Yellow gold comes in a variety of karats and price points. However, because pure gold is too soft to be used on its own, silver and copper are added in varying ratios to produce the yellow color seen primarily in jewelry. 
• White gold is actually a broad term that contains many colors of gold. White gold is produced by mixing pure gold with white metals such as silver, nickel, and palladium. White gold comes in a wide range of karats and, therefore, a variety of prices due to its diverse nature.
• Rose gold is a gold-copper alloy closely related to red and pink gold. Differences are based on the ratio of gold to copper and whether or not silver is added. Since rose gold contains copper, it is not hypo-allergenic, so be sure you or the recipient will be comfortable wearing it.

Rare Shades Of Gold

• Purple gold is a variation that results from mixing gold and aluminum. But it is less commonly used in jewelry due to brittleness.
• Green gold is one of the most common gold shades, containing pure gold, copper, silver, and zinc. There are different shades of green gold varying from soft to deep green. This depends on the alloy used. Historically, green gold has had some incredible uses. 
• Blue gold is one of the less common gold shades that combines gold and indium, gallium, or iron.
• Grey gold is a type of white gold created by combining pure gold with copper, manganese, silver, or iron.
• Black gold is a shade created through various methods. For example, cobalt oxide involves mixing pure gold with cobalt and heating it at a specific temperature. Another way to make black gold is by electroplating, where gold jewelry is plated with a black finish – usually rhodium or ruthenium.

What’s The Best Shade of Gold?

The best shade of gold is completely subjective and depends on personal preference, which can be based on individual style and fashion sense. While some may prefer a rich hue, others lean towards a pale tone. 

While white gold engagement rings have been very popular for many years, yellow gold engagement rings will always remain a classic and timeless choice. In addition, the romantic and modern charm of rose gold ring styles is a gorgeous yet unique choice too, especially when paired with beautiful gemstones.

Ultimately, the best shade of gold is the one that complements the wearer’s skin tone, and aesthetic preferences, creating a stylish and treasured jewelry piece. 

Related blog post: How To Pick The Right Engagement Ring For Your Skin Tone

Buying Gold from A Trusted Retailer

While there are established guidelines regulating minimum gold standards that gold dealers are expected to follow, some may choose to overlook these standards and offer substandard products instead.

This is one of the many reasons why dealing with reputable dealers is so important. Buying gold from a trusted retailer has the following advantages:

Quality Gold Jewelry

Reputable retailers will always assure you of quality. For example, if a piece of jewelry is labeled 14k, it is safe to assume the gold content has not been manipulated and is worth its true value.

Ethical Practices For Buying Gold

Buying gold from a trustworthy retailer ensures the product is ethically sourced. In other words, they have taken the appropriate steps following the necessary regulations.

Trained Experts

A high-quality retailer will likely have trained staff, further adding to their credibility and your confidence in their products. This ensures that the staff understands the products and processes involved so that you can trust their expertise. 

Good Customer Service

lastly, dealing with a reputable retailer means you can trust and depend on them to be responsive during the selection, buying, and after-purchase. Having the confidence that they will promptly address your concerns and questions eases the stress of the process.

FAQs

Are there different colors of gold?

The majority of people think gold is only available in three colors – yellow, white, and rose. While those are the most popular hues, gold also comes in many more shades, such as, purple, blue, green, gray, and black. 

What gold is best in color?

It’s important to remember that all types of gold are high-quality metals for your jewelry. However, the decision boils down to individual preferences and intended use. Consider the following when trying to reach your choice. Does it complement your existing jewelry collection? Is it within your budget? Can it withstand frequent use?

What color gold is most valuable?

The most valuable color of gold is typically yellow, which is considered pure and classic in appearance. Other shades, such as white or rose gold, may be preferred for fashion or personal taste, but they are usually mixed with other metals, reducing the purity and thus the value.

Is gold hypoallergenic? 

Generally, gold is considered hypoallergenic as it really causes allergic reactions to the skin. However, in some cases, gold jewelry may contain other metals or alloys, such as nickel or copper, which can trigger allergies in certain individuals.

Final Thoughts

And there you have it. We hope we have enlightened you about all the different colors of gold. And now you can find the perfect pieces (or pieces) for your jewelry collection. If you need any assistance, our JamesAllen.com experts are always available to offer their professional opinion. Contact us here! 

And, don’t forget that if you’re looking for a gold engagement, wedding ring, or a fine jewelry gift for someone special, you can always count on us for high-quality and affordable pieces.

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Tarryn Snoyman

An experienced content writer with four years' experience, Tarryn enjoys educating and guiding jewelry shoppers, providing them with valuable insights and best practices for making informed purchases.

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In the world of precious metals, white gold and silver are two of the most popular choices. For people who love the look of pure silver or white gold, both these metals add a certain zest to many types of jewelry. Something that is very different from other metal hues such as rose or yellow gold.

While both white gold and silver are beautiful and versatile metals, they do have some advantages and drawbacks that are worth considering before deciding on your next piece of fine jewelry. We have put together a detailed comparison of silver and white gold to help you decide which metal is best for you. Here is everything you need to know.

What is White Gold?

White gold is a type of gold that is mixed with other metals, such as nickel, palladium, or silver, to create a white-colored alloy. As a final step, rhodium is plated over the resulting metal to enhance its luster and durability. The purity of white gold is measured in karats, with 14K and 18K being the most common options for jewelry. A classic, timeless look makes white gold a popular choice for engagement rings, wedding bands, and other fine jewelry pieces.

Pros and Cons Of White Gold

There is no universal rule that white gold is better than silver or vice versa. Depending on your needs, each metal has its advantages. While some people prefer white gold for certain pieces, others may opt for silver. Let’s take a closer look at the pros and cons of white gold.

What is Silver?

Silver is a naturally occurring precious metal that has been used in jewelry for centuries. It has a soft, lustrous appearance and is loved for its affordability. While silver is beautiful on its own, it is often alloyed with other metals, such as copper, nickel or zinc, to increase its durability and strength The most common type of silver used in jewelry is sterling silver, which has a purity of 92.5%, with 7.5% made up of other metals.

Pros and Cons Of Silver

Just like with white gold, silver has both advantages and disadvantages. So what are they? Let’s find out.

How To Tell The Difference Between Silver And White Gold

Because of their similar appearances, it is sometimes difficult to distinguish white gold from silver. However, there are a few key differences that can help you tell them apart.  While at first glance silver and white gold may appear to have a similar hue, silver has a grayish-white hue, whereas white gold has a distinctly white shade.

Color:

Remember that the composition of white gold includes yellow gold and an alloy metal like nickel that gives gold its white hue. It is then plated with rhodium, which provides it with an elegant, mirrored finish.

On the contrary, silver carries a grayish-white hue with a brighter, more reflective color than white gold. Even though the difference may be subtle, it is often noticeable when the two metals are compared side by side.

Markings:

Both silver and white gold are typically stamped with tiny markings that indicate their purity, but it’s important to know that the markings will be different on each metal. Silver is usually stamped with a hallmark that indicates its percentage of purity (e.g. “925” for sterling silver, which is 92.5% pure silver), whereas white gold is usually stamped with its karat (e.g. “14K” for 14 karat white gold, which is 58.5% gold).

Tarnish:

Silver tarnishes over time, developing a dark patina. However, it can be polished off with a silver polish or a home remedy that will quickly restore your jewelry. White gold, on the other hand, does not tarnish, but it can become dull over time and may need to be polished by a trusted jeweler to restore its shine.

Price:

White gold is usually more expensive than silver because it contains gold and has a higher density. On the other hand, silver is among the most affordable types of metal for fine jewelry, especially for earrings and bracelets. But it’s important to note that the extra durability of white gold does increase the price tag of the metal.

FAQs

Is white gold or silver better for engagement rings?

Both white gold and silver can make beautiful engagement rings, but white gold is generally considered to be a more durable option. However, if you are looking for a more affordable option, silver can be a great choice.

Which metal is more expensive, white gold or silver?

White gold is typically more expensive than silver because of its composition. Pure gold is a precious metal and is more expensive than silver, and the additional metals mixed with the gold in white gold also contribute to its higher cost.

Are you able to distinguish white gold from silver just by looking at them?

White gold and silver can look similar at first glance, but there are some differences that can help you distinguish between them. White gold has a brighter, shinier appearance than silver, which has a softer, more matte finish. Additionally, white gold may have a slightly yellowish or grayish tint due to the gold content, while silver is pure white.

Can I wear white gold and silver jewelry together?

Yes, of course! You can mix and match white gold and silver jewelry to create a unique, layered look. However, it’s important to be aware that sterling silver and white gold don’t necessarily look exactly the same, so you can’t always style to match perfectly. But combining the metals creates a beautiful and harmonious mix of modern jewelry styles

Final Thoughts

Picking out a metal is a very important element in any jewelry purchase. With so many different types of metals it can be challenging to find the perfect metal type for your next piece of gorgeous jewelry. Ultimately, choosing between silver and white gold comes down to a few factors: preference, budget, and of course the jewelry type you want to wear. Both metals are beautiful and popular choices, but which one is right for you? 

At JamesAllen.com, there are many beautiful options that fit any budget and personal preference to create your perfect look!

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Tarryn Snoyman

An experienced content writer with four years' experience, Tarryn enjoys educating and guiding jewelry shoppers, providing them with valuable insights and best practices for making informed purchases.

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