Understanding Money Back Guarantee Diamonds Policies

Many jewelers are now offering policies of money back guarantees when you buy a loose diamond or a piece of jewelry containing diamonds. This is to show the customers that the diamonds they sell are authentic and are worth the money they pay.
You do have to understand the policies for money back guarantee diamonds though and know that the return policy is not the same for all jewelers. You should always ask about this guarantee when you purchase a diamond. You should also ask about the Kimberley certificate for the diamond to ensure that it is a non-conflict diamond.
A non conflict diamond is one that comes from a country where the sale of diamonds goes towards supporting the economy of the country as a whole. This name has been given to diamonds from some countries because there are parts of the world where the mining of diamonds is a business used to support wars and terrorist acts.
The UN has a published list of country names from which diamonds can legally be imported. They must be accompanied by a Kimberley certificate attesting to the fact that they are not blood diamonds or conflict diamonds.
Legitimate jewelers will gladly show you this certificate when you want to buy a diamond or at least refer to their supplier to find out if the supplier has such a certificate. Once you ascertain the legitimacy of the diamond, you should ask about the policy for a money back guarantee. Diamonds sold under such policies can be returned for a full refund within a time frame set by the retailer. This can be for any reason.
If you do purchase a diamond and then find the same one at a lower price from another jeweler, you can also take advantage of the money back guarantee diamonds policy. Usually the time frame for this is 90 days and basically means that if you find the same diamond at a lower price and the jeweler can verify it is the same stone, you will receive a refund of the difference between the prices.
When you purchase a diamond, you will receive a certificate of authenticity, which may or may not include an appraisal of the diamond. This certificate only attests to the fact that the diamond is real and is not a cubic zirconium diamond, which is man-made. You can have the diamond appraised yourself at one of three internationally recognized gemological institutes.
If the diamond is loose, you can choose GIA or EGL, but ICI appraisals does analyze the stone when it is set in a piece of jewelry. If you find that the stone has not been appraised for the amount you pay, then you can return it to the jeweler taking advantage of the policy for money back guarantee diamonds.
An appraisal of a diamond is an important part of being able to insure the loose diamond or the jewelry. Insurance providers require this certificate so that they have proof of the estimated retail value of the stone should it be lost or stolen. IGI appraisals will give you details about the diamond related to the four C’s – cut, clarity, color and carat.
The carat is the weight of the diamond and while this does translate into a higher price, the other factors affect how much you pay for it as well. The highest priced diamond is one that is pure white with no imperfections, which can be natural flaws or flaws caused in the cutting process.
Buying a diamond is an expensive proposition and you must make sure that you get the best value for your money. Jewelers selling money back guarantee diamonds also have other aspects of the policy that are of interest, such as being able to upgrade to a more expensive diamond by only paying the difference between the one you previously purchased and the one you now want and free cleanings for life.

Allison Ryan is a freelance marketing writer from San Diego, CA. She specializes in money back guarantee diamonds, IGI appraisals, and how to find the best non conflict diamond jewelry. To design your own non conflict diamond jewelry, check out http://www.diamondwave.com/.

Rent Guarantee Insurance to Claim Back Your Rent!

Have you rented out your house? Are you not living in that house any more, is your property being let out? Don’t you think you need to insure your property or house that is rented out in order to allay any damages caused to your building and to recover the cost of damage? Whether your house has been inherited from your ancestors or you have shifted to another location, you need to ensure that your renters pay you money on time.

Rent damage can be caused by several reasons:

Your rent can be assured in the following circumstances

When there’s a damage caused to your property due to natural calamity

When the building has caught up in fire

Or your tenant doesn’t pay his rent

Make sure that your tenants will repay the rent on time. Some insurance agents offer you guarantee on your rent such as £2,500 per month, instant cover, it covers you under 12 month policy, and offers 24 hour assistance. It is essential to insure your property or home in order to claim them in times of crisis. Safeguard your rent for sure! Guaranteed rents will work with your existing letting agent if that is your preference. Or it will arrange an alternative. The cost of using a letting agent is normally around 10% of the gross rent. This is covered by guaranteed rents within the rent contract. Rent Guarantee provides guaranteed protection against tenant default, such that your lease agreements have an assured income. If you have a property which you are looking out to rent then Rent Guarantee provides guaranteed protection against tenant default, such that your lease agreements have an assured income.

A buy to let property is considered as a commercial property and there’s a separate insurance policy to claim for the rent on commercial property. Your property records must be kept up to date, have a proper agreement with your tenant and other records for tax authorities too. You may loose several pounds in rental income and legal expenses to claim for your rent. Some insurers won’t cover properties if tenants are claiming benefit, whether you are using private sector leasing or not. In case, a private sector leasing is covered, then, you can request for a higher premium.

Seek out for a right rent guarantee insurance agency online which can help you out in making your claims, which you deserve.

Kirthy Shetty, Platinum author. Insurance for Landlords’ assistance: Rental Guarantee Quote & Insurance

Tenant reference assistance or free advice: Tenant Referencing Company