Jewelry

How to care for pearls and precious stones

jewelry with pearls

Pearls can be easily damaged from contact with chemicals, lotions, or other stones, such as diamonds or gemstones, that have rough edges. And even though diamonds are the hardest natural substance around, they can still be lost or damaged. Below are a few ways you can protect your pearls and other precious stones, so that you can enjoy them for years to come.

Pearls

Isolate them

Instead of throwing your pearl earrings or ring into a dish with your other jewelry or watches at the end of the day, protect them by storing them separately in pouches made of natural breathing fibers, such as silk or cotton. 

Keep them away from lotions, perfumes, or other chemicals

Pearls are vulnerable to damage from chlorine bleach as well as other everyday chemicals found in lotions, perfumes, oils and hairspray. Therefore, always apply hairspray and perfume before putting on pearls and jewelry. Avoid applying too much lotion on the back of your neck if you’re wearing a pearl necklace. And after each wearing, wipe off your pearls with a soft and clean cloth.

Restring them every 2-3 years

To prevent pearl necklace strings from becoming stretched, weakened or soiled, replace them every two to three years. This will prevent breakage and potentially lost or damaged pearls.

woman wearing pearls

Diamonds and precious stones

Check clasps and prongs regularly

The majority of jewelry claims involve “mysterious disappearance” of diamonds and other stones, such as when a stone falls out of its setting without you knowing it. To avoid this, ask your jeweler to check the integrity of the clasps and prongs frequently – at least every six months (or more often if you wear the piece a lot).

Use the shake test

Between visits to the jeweler, you can test the prongs on your jewelry yourself. Simply take off your jewelry, hold the stone up to your ear and shake it. If it is loose, you will hear it moving and should get it repaired.

luxury bracelet on a bride

Insights and expertise

We help you stay ahead and informed with these helpful tips and tricks for protecting your home, car, and more.
hugging couple with engagement watches
Trends and insights into the rising demand for luxury watches
Consumers are steering away from fast fashion and investing in long-lasting, quality items. Here are a few trends we’re seeing and what that means for the booming luxury watch market.
business people wearing masks
5 critical things to do before buying jewelry online
While buying jewelry online can be convenient, it is wise to proceed with caution and make sure your purchase is legitimate and arrives in your hands whole and beautiful. Here are a few things you’ll want to do before you click “purchase” online.
woman walking with luggage
How to insure your jewelry before you travel
You may not leave home with jewelry that is as elaborate or expensive as Elizabeth Taylor’s or Kim Kardashian’s. However, you can use their situations to understand why the right insurance needs to be in place when you travel.
emerald earrings
Diamonds are not forever: The rising trend of other precious stones
While diamonds have dominated this market for years, we are now seeing untreated colored gemstones, such as emeralds, rubies, and sapphires, as well as pearls growing in demand. Read more on what we have found to cause this shift in demand.
diamonds on turquoise background
How to choose the perfect diamond: Top 4 tips you need to know
Before buying an engagement ring or a pair of diamond earrings, invest the time to learn more about diamonds and how to protect them.
luxury jewelry and watches
Traveling with Luxury Jewelry and Watches: How to Protect your Valuable Items
Learn how to travel safely with luxury jewelry & watches. Protect your valuables from theft, loss and damage with expert tips & insurance advice.
luxury valuables collection
How the Next Generation is Collecting and Protecting Valuables Online
Buying luxury items online? Learn the risks, how to verify authenticity, protect your valuables from theft, and why valuable articles insurance matters.
woman putting away jewelry in safe
Tips for traveling with fine jewelry and watches
As we prepare to hit the road, get dressed up again and celebrate with loved ones, here are a few tips to keep your jewelry and watches safe when traveling.

Get a personal insurance quote

Work with an independent agent to get personalized insurance solutions.