Romantic Style Engagement Rings | BriteCo Jewelry Insurance (2024)

With so many timeless and romantic engagement ring styles, choosing the perfect engagement ring can often be stressful. Luckily, BriteCo is here to help. Keep reading to learn more about your romantic style engagement ring options, from classic center stone cuts to more intricate designs, and get that much closer to finding your dream ring.

What You Will Learn

  • What Sets Romantic Style Engagement Rings Apart?
  • The History of Romantic Engagement Ring Styles
  • Popular Romantic Style Engagement Ring Design Features
  • Metals Used in Romantic Engagement Ring Styles
  • How to Pair Romantic Engagement Rings with Wedding Bands
  • Shopping for Romantic and Timeless Engagement Rings
  • Protect Your Investment

Engagement rings have long been part of a romantic tradition. The custom of presenting a diamond engagement ring during a proposal dates back centuries and has evolved to represent not just a commitment but also personal style and taste.

The romantic ring style often incorporates features like delicate stone settings, intricate designs, and traditional aesthetics. Central to this style are classic engagement ring features such as solitaire diamonds, emerald cut diamonds, or round brilliant diamonds. Other key features might include swirling motifs or additional design elements that add a romantic flair, but the focus is always on enhancing the beauty of the center stone.

Romantic engagement rings are designed to be timeless, transcending fleeting fashion trends and remaining eternally stylish.

The History of Romantic Engagement Ring Styles

The Victorian, Edwardian, and Art Deco eras have significantly influenced the romantic engagement ring style we recognize today. These periods brought forth designs featuring various gemstones; however, the diamond ring, particularly a solitaire diamond, has remained a constant favorite, epitomizing the classic engagement ring.

Various design elements are popular for romantic style engagement rings.

  • Romantic Center Stone Cuts

The center stone is the heart of a ring’s design, and the round brilliant diamond stands out for its unparalleled sparkle and symmetry, making it a favorite for romantic and timeless engagement rings. An emerald cut diamond, with its clean lines and dramatic flashes of light, is also a popular choice for romantic center stones.

  • Popular Romantic Ring Settings

The popular and romantic four-prong setting has evolved over time. Initially favored for its minimal interference with the diamond’s brilliance, modern adaptations have seen variations in prong shapes and styles. Designers have innovated with delicate and artistic prong designs that contribute to the ring’s overall aesthetic.

Similarly, the solitaire setting is timeless but versatile, fitting a range of diamond shapes and sizes. A classic solitaire ring can represent the elegance and simplicity of romantic engagement ring designs.

  • Other Romantic Ring Style Design Elements

If you’re looking for something unique, variations like a hidden halo add a subtle but stunning twist to romantic engagement rings. A hidden halo, a feature wherein small diamonds encircle the base of the ring’s center stone, offers an extra layer of sparkle when viewed from different angles.

Likewise, delicate stone details, such as smaller diamonds set along the band or around the center stone, add a touch of sophistication and personalization.

If you want a contemporary twist to a romantic and timeless engagement ring design, split shank bands and the addition of side stones offer a creative and eye-catching alternative. Split shank bands, where the band splits into two as it approaches the center stone, provide a larger canvas for intricate designs and additional diamonds. Side stones, whether smaller diamonds or other gemstones, enhance the center stone and add extra sparkle to the ring.

Metals Used in Romantic Engagement Ring Styles

Romantic Style Engagement Rings | BriteCo Jewelry Insurance (1)

Both 14k white gold and platinum are popular options for a romantic engagement ring. The former is known for its durability. The latter stands out for its natural white sheen and exceptional strength, making it ideal for securing precious stones and withstanding everyday wear. Both metals will highlight the beauty of the center stone.

However, yellow gold has long been a traditional choice for engagement rings. Rose gold also offers a unique blend of warmth and romance, with its pinkish tones adding a feminine touch. These two metals, with their distinctive colors, can lend a personal and intimate feel to romantic style engagement rings.

Before you make your choice, consider:

  • Platinum offers superior durability and is hypoallergenic, making it ideal for sensitive skin.
  • White gold, often rhodium-plated for extra shine and strength, requires periodic replating to maintain its luster.
  • Yellow gold and rose gold, while slightly softer than platinum and white gold, are classic and romantic.

Choosing a wedding band that complements your engagement ring is key for a harmonious and elegant bridal set. For romantic style engagement rings, classic and timeless wedding bands are ideal. Choose a matching metal (yellow gold, white gold, rose gold, or platinum) and complementary design details. The ring should enhance the engagement ring without overshadowing it.

To pair a wedding band with any of the various engagement ring styles, consider the shape, setting, and overall design of the ring.

Shopping for Romantic and Timeless Engagement Rings

Ready to shop for an engagement ring? Consider starting with Brilliant Earth.

Brilliant Earth has gained recognition for its commitment to ethical sourcing and sustainability in the jewelry industry. As such, the brand’s collections of classic engagement rings and wedding bands are not only elegant and beautifully crafted but reflect responsible and ethical practices. Brilliant Earth offers a range of timeless engagement ring styles.

As you shop, understanding factors that influence ring prices, such as the 4Cs (cut, clarity, color, and carat weight), the type of metal, and the intricacy of the design, is essential. You’ll need to consider your budget and the long-term value of the ring, balancing affordability and investment.

At BriteCo, we provide comprehensive and affordable jewelry insurance. Our policies include protection against loss, theft, and damage anywhere in the world, so you can rest assured that your engagement ring and its timeless style are protected and in good hands.

Use our online tool to get a quote.

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Romantic Style Engagement Rings | BriteCo Jewelry Insurance (2024)

FAQs

How much should it cost to insure an engagement ring? ›

Jewelry insurance will typically cost 1% to 2% of the ring's value. So an engagement ring valued at $6,000 could cost roughly $60 to $120 a year to insure. That's about $5 a month to $10 a month for engagement ring insurance.

Does engagement ring insurance cover lost? ›

Jewelry insurance pays to replace or repair your jewelry if it's stolen or damaged. You can get jewelry insurance through your homeowners or renters insurance company or from stand-alone jewelry insurers. Insurance for jewelry generally costs 1% or 2% of the item's value per year.

Does homeowners insurance cover engagement rings? ›

Your standard homeowners or renters insurance policy covers jewelry theft up to a certain value. To properly insure jewelry, engagement rings and other expensive items, consider purchasing additional coverage through an economical floater or an endorsem*nt.

What is the golden rule for engagement rings? ›

The wedding band traditionally goes on the left-hand ring finger first, nearest the heart, with the engagement ring stacking on top. Again, this practice is not law, and the rings can be arranged in any way that is most comfortable and aesthetically pleasing to you, including wearing the rings on separate fingers.

Should you insure a $1000 ring? ›

If your ring is worth over $1,000, it is a good idea to get it insured sooner rather than later. Engagement ring insurance protects your investment if the ring is damaged, lost, stolen, or falls victim to a mysterious disappearance. The best part? Insuring your ring is much easier than you might think.

How much does it cost to insure a $3000 ring? ›

Here's how it works: For every $100 it would cost to replace your ring (i.e. your jewelry's appraised value), you should expect to pay somewhere between $1 and $2. This means that if you insure a diamond engagement ring with an appraised value of $9,000, you'll probably pay between $90 and $180 a year to insure it.

What happens if you find a ring after insurance claim? ›

First, you should contact the insurance provider immediately. You can either return the money you obtained from the insurance company or hand over the ring you bought to replace the lost jewelry. The court can find you guilty of insurance fraud if you fail to notify the insurer that you've recovered the lost ring.

Does insurance cover if a diamond falls out of ring? ›

Originally Answered: Does insurance cover lost diamond? Usually, a basic policy will not, but you can purchase open peril, special personal property coverage, and/or a Jewelry floater that will. A Jewelry floater is a good idea because homeowners' policies limit the amount they will pay for Jewelry.

What happens if you lose a ring that is insured? ›

Whether your ring got damaged or it's just a mysterious disappearance (whether you can't identify if your ring was lost or stolen), jewelry insurance companies can help you get a replacement or repair what's been damaged based on your ring's original cost or appraised value (if an appraisal or detailed receipt is on ...

What type of insurance covers engagement ring? ›

In the event of loss, theft or accidental damage, jewellery and valuables insurance can help to cover the cost of repairing and replacing watches, wedding and engagement rings, bracelets, necklaces, earrings and more where home or contents insurance can fall short.

Who should pay for engagement ring insurance? ›

The ideal person to insure the engagement ring is whomever has it in their possession first. You can even apply for jewelry insurance right on your phone before you leave the jeweler. Already have the ring? Find out how much jewelry insurance would cost you right now.

Is it important to insure an engagement ring? ›

Engagement rings can be a major expense amounting to hundreds if not thousands of dollars. If it's ever lost, stolen or damaged, your happily ever after might experience a painful pause. That's why it really makes sense to protect your financial and emotional peace of mind with the right insurance coverage.

Is $10,000 a lot for an engagement ring? ›

Perhaps one that offers a bit more than just a diamond? If so, then $10,000 is an excellent budget to work with. You may have heard by now that $10,000 engagement rings are becoming more and more popular. The average of spending $5,000 on your engagement ring may soon be a thing of the past.

Is $5,000 a lot for an engagement ring? ›

According to a 2022 study from Credit Donkey, most couples reported wanting to spend between $1,000 and $5,000, though the average cost of an engagement ring was around $5,225. (This is actually down from 2019, when the average rang in at a whopping $7,750.)

Is $3000 too little for an engagement ring? ›

Millennials spend about $3,000 on engagement rings rather than the average amount of $5,000. High-class individual spends $20,000 or more on their engagement ring, and this often drives the average engagement ring cost upward.

How much is insurance on a 5000 ring? ›

Rates depend on where you live, but for most people, jewelry insurance will cost 1-2% of the value of your jewelry. For example, a $5,000 engagement ring could cost as little as $50 per year to insure.

How much does it cost to insure a 10000 ring? ›

On average, the annual cost of engagement ring insurance is between $1 and $2 per $100 of ring value. For example, a $10,000 ring would cost between $100 and $200 to insure each year. Jewelry insurance costs depend on the rate of theft in your area and which provider you choose.

Should I insure a $3 000 ring? ›

Yes, you really do need to insure your good stuff. And it's not as hard as you think. The Cold, Hard Facts: Your homeowner's or renter's insurance will not be adequate to safeguard your diamonds, gold and other good stuff.

How much does it cost to insure a 5000 ring? ›

In most cases, jewelry insurance costs about 1-2% of the value of the jewelry per year. So a $5,000 ring would cost $50-$100 per year to insure.

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