fiance

You are on cloud nine! Your best friend in the whole wide world just proposed and he pulled it off  better than you could ever dream of. You are happy. You are planning your future and you are absolutely loving the engagement bubble that you are living in. You are sporting a shiny new ring that fits perfectly on your left hand and you feel like the luckiest girl in the world! But what if something happens to the ring? God forbid it gets stolen or falls out of your bag while you are at the gym. Although diamonds are a girls best friend, diamonds have their own best friend named Ring Insurance. Here are YPPs top tips to Insuring your ring for the just in case situations…

1. Get your ring Insured ASAP:

   Your soon to be groom can get your ring insured as soon as it is purchased, which, if you ask me, is awesome news! That means you won’t even have to worry about it! But, in the off chance that he was too busy planning the big moment instead of insuring the beautiful sentiment, pick up that phone ASAP and call your insurance provider!

2. Think outside of the house

   Many couples put their engagement ring under their home owner or rental insurance, and that can definitely be helpful but a lot of those riders do not cover your ring outside of the house, and we all know you are planning a big honeymoon away!

3. How much are we talking??

   Good question! The estimated cost for your engagement ring insurance will be between $1 to $2 for approx. $100 your ring is worth. I know what you are thinking, that sounds like a lot! But trust me, it is worth it! The cost will ultimately be determined by a few different factors such as the value of your ring, where you live and the theft rate in your area, and whether or not your policy has a deductible, but the good news is it will protect that ring! Remember, this is your engagement ring for crying out loud! It is a symbol of love and nothing says love like protection!

4. Get an appraisal.

   Now ladies, this one is important! You can’t protect it with out knowing what you are actually protecting!! This is what your appraisal should include: (a) the carat weight, (b) cut, (c) color and (d) clarity of your diamonds. (e) The carat weight and (f) shape of any colored stones, (g) the metal type and (h) fineness or karat, as well as any (i) identifying marks, (j) hallmarks, or (k) stamps. BONUS: Make sure you trust your appraiser! Look at their online reviews, chat with them on the phone and find someone who earned a graduate degree in gemology AND is a member of a national appraisal society. We mean business when we are talking about our diamonds!

5. Get a Diamond Certificate or Grading Report: The 4 C’s

   The 4 Cs are my favorite C’s! Color, cut, clarity, and carat weight. In other words, A diamond certificate or gradating report. While this is not an appraisal, A Diamond Certificate is often provided by your jeweler if your ring is around a half a carat or larger. The 4 C’s are great for your appraiser and super important to track down your stone if anything happens to it!

6. Reappraise every few years!

   Your groom made a good investment. The value of your ring will increase over the years and that is why it is super important, for insurance purposes of course,  to get your ring appraised every few years. BONUS: If you go back to the same appraiser time and time again, they will already have a lot of your rings information and therefore, can cut costs! BONUS x 2: Don’t forget to bring a copy of your last appraisal with you. Always better to be safe than sorry!

This ring is way more than a ring, it is a symbol of your love for each other, it deserves to be protected! So now, go get that beauty insured and step right back in that engagement bubble! I know you want to!

“Kipper is shivering! Let’s finish these photos inside!” Brittany said. We all looked at Kipper in his adorable, yellow raincoat shaking from the cold. “That’s a good idea!” I said worried about their sweet, little dog. As we walked back toward Brittany and Will’s Fairfax, Virginia apartment in the rain, I smiled. Brittany and Will only adopted Kipper a few months prior to our session and they were already so in tune and such good care-takers. They had all the Kipper essentials and than some. It was clear, that they put Kipper first and were happy doing so.

Once we got into their homey, warm apartment, Brittany took Kipper’s raincoat off and they all began to play. All three of them looked so happy and content just hanging out together, throwing and catching a stuffed bunny. It made me think,  this is what it is all about. Togetherness, happiness, love. And love there was! In every detail of their apartment, in every word spoken and in every joke made, you could see that their life was full of love and admiration for each other…. and of course Kipper too.

Brittany and Will have been together since before Instagram was a thing and I absolutely admire their commitment and connection to one another. It is evident that they are best friends, partners and each others biggest support systems. Brittany and Will’s personalities complement each other. From High School to College, all the way to moving to Fairfax, Virginia together, they have been a united front that can take on anything and everything.

These two are such a unique couple, and their puppy engagement session was no different! Once we realized that Kipper was not a happier camper outside, we moved our engagement session inside. It was no longer just an engagement session but a session about the home they built, the puppy they adopted and the life that they had created.

Brittany and Will, you have found it. The happiness, the love and the excitement for your future that everyone searches for and I hope your happiness and love grows until the end of time! I cannot wait to photograph your wedding! July is too far away!!