Sometimes, life imitates art-as in the case of a wedding ring that disappeared without a trace one evening, leading to a comedy that seemed like it could have been straight out of a long-ago series featuring a zany redhead and her hot-tempered Cuban husband. Jessica Jones gave dinner parties that were legendary in the circle of friends, with delectable food made all the more mouthwatering for its clever presentation on an impressive array of fine china. A sit-down affair for 20 had gone well, although she’d had to use every dish in the house. But when Jessica removed her four-carat wedding and set it on the windowsill above the sink to wash the dishes, she never dreamed of the journey the sparkler would take but she thanked her lucky stars (and her agent) that she had purchased insurance for jewelry.
Her agent knew that a ring that was the magnitude of Jessica’s, with a nearly flawless, clear brilliant-cut diamond gleaming in the center of the platinum band flanked by several exquisite channel-set emeralds, was worth far more than the relatively small, specific amount of coverage that is built into a standard homeowners policy, even a high-value one; it was clear that her ring would more appropriately be protected with either a jewelry floater or a standalone policy. That way, the diamond wedding ring as well as the matching engagement ring, earrings and bracelet could be covered for their entire value. Jessica was heartsick about the loss, her husband tore the entire kitchen apart looking for the ring, and everyone who had attended the dinner party felt sick that such a beautiful evening turned into a nightmare.
Fortunately, Jessica’s agent had really done her homework. Learning over the years that Jessica had a habit of misplacing items and failing to care for her valuables the way she should (for example, forgetting to get the prongs on her rings checked periodically to ensure stones remained secure in their setting)-the agent had recommended a policy that included coverage for mysterious disappearance as well as lost stones and diminished value in a set should one or more pieces become lost.
As it turned out, Jessica didn’t have to file what would have been a very expensive claim-it turned out the ring had somehow dropped into some brown butter cookie dough that was in a bowl near the windowsill, was dropped onto a cookie sheet and baked into the buttery treat, and was discovered when Jessica bit down into a cookie only to bite into the ring (and chip a tooth in the process). The moral to the story, she says-follow the advice of one’s professional insurance agent… and chew carefully when there’s a chance that a diamond ring could be inside your cookie.