Jewelry Insurance + Appraisals
Carter's Lifetime Care Plan
Our Lifetime Care Plan covers the cost of any repair or service a piece of jewelry might need, minus loss or theft. You have 30 days from purchase date to add a Care Plan to a piece, and one of our staff would be happy to help you with that or any questions you have. Call or text us to purchase your plan.
CJC Care Plan Terms & Conditions
The term of this agreement begins on the date of purchase and continues for the lifetime of the original purchaser.
This agreement covers the repair or replacement for the covered product in the event of a loss of stones if the loss is due to a defective mounting in the setting. Covered repairs include soldering; repairing broken, bent, or worn prongs or mountings; resetting stones; knots, kinks, broken links, broken earring posts or backs; stretched or broken pearl strands. A one-time ring sizing is available beginning ninety (90) days from the date of purchase of this agreement. A cosmetic rhodium plating shall be provided every year from the date of the purchase of this agreement.
III Limit of Liability
The maximum amount that we are obligated to pay under this agreement shall not exceed 80% of the final retail selling price of the covered product excluding sales tax. Our obligation shall be fulfilled and this agreement terminated if the covered product is replaced, if a store credit is issued to you, or if we offer reimbursement but the offer is refused and you elect to retain the covered product.
You may cancel this agreement for any reason at any time. If you cancel this agreement within thirty (30) days of receipt of this agreement no refund will be given.
V Not Covered
This agreement does not cover loss or damage from:
(A) misuse, accident, abuse, introduction of foreign objects into the product, tampering with prongs, bezels, or other elements designed to secure a diamond or gemstones, unauthorized modifications or alterations, unauthorized repairs and/or parts not from Carter’s Jewel Chest,
(B) rust or corrosion, fire, burglary or theft, perils of nature
(C) water damage, chlorine or chemical exposure
(D) pre-existing conditions that occur prior to the effective date of this agreement
(E) parts or labor covered by a manufacturer’s warranty
(F) damage not reported prior to the expiration of the term of this agreement
(G) flaws in gemstones
(H) unknotted pearl strands
(I) damage covered by another insurance policy, warranty or service plan
(J) shipping charges to and from client.
Carter's Jewel Chest is uniquely qualified to appraise your fine jewelry and gemstones. Our experienced staff has the background and gemological training to do a professional job of evaluating the current value of your precious keepsakes.
While these items are priceless to you, it's important to remember that the value of the precious metal and gems that comprise your fine jewelry is constantly changing due to market conditions. Gold, for instance, has seen its value double over the past 10 years.
Accurate appraisals are important because if your jewelry is ever lost, stolen or damaged, your insurance company will refer to the appraisal document to settle the claim. An outdated appraisal will likely result in you being under-insured, and that could cost you thousands.
We recommend updating your appraisals every three to five years. Whether it's an engagement ring you wear every day or a piece you've just inherited from your grandmother's estate, we're ready to offer an appraisal for your security and peace of mind.
Our gemologists are certified and qualified to appraise your jewelry.
Appraisals run $125 per piece.