Ring Insurance ...

Has anyone insured their engagement ring? I want to, but not sure how ... I don't own a home so I can't put it under my home owners ins. Until we do get a house that I can put this thing under .. and suggestions?
Thanks!!

Re: Ring Insurance ...

My ring is insured under jewelers mutual. they have a website you can go to jewelersmutual.com

Re: Ring Insurance ...

I use state farm.

Its a completely separate 'personal articles' policy....no homeowners or renters insurance necessary.

The rate is based on where you live, and how much you want to insure.

(A safe bet is to get an appraisal for about 1/3 more than you paid...to allow for inflation, etc.)

I pay $50 a year.

Re: Ring Insurance ...

We put a rider on our renter's insurance policy. You do not have to own a home to insure your ring. I for one, would not wear a ring of great value without insuring it. I do not work in a safe environment. As much as a ring represents sentiment, it's purchase is a huge investment for young people to risk theft or loss without insurance.

Re: Ring Insurance ...

We temporarily insured it with the jewerly store just so if something would happen when FH left the store with it.

We will add to home insurance. You can get insurance just for it if you want to. We have All State. You can call an agent and ask them what they can offer.

Re: Ring Insurance ...

DH insured my e-ring with his rental/car insurance company.

Re: Ring Insurance ...

mine is unsured under our home owners. Mine is $530 per year

Re: Ring Insurance ...

I insurered my ring through statefarm ( I ave my car ins there also). You just have to bring them a copy of your appraisal.

Re: Ring Insurance ...

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Posted by Goldi1021

We put a rider on our renter's insurance policy. You do not have to own a home to insure your ring. I for one, would not wear a ring of great value without insuring it. I do not work in a safe environment. As much as a ring represents sentiment, it's purchase is a huge investment for young people to risk theft or loss without insurance.

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I did the same thing

Re: Ring Insurance ...

Mine is with CHUBB ins, its only $200 a year.

Re: Ring Insurance ...

Yep---we added mine to DH's homeowner's insurance but I know my sister's ring is insured under my parents' homeowners....lots of good options posted--definitely should get it insured!!!

Re: Ring Insurance ...

me and FH dont own a home yet..we are renting...you can get renters insurance and get it through there


if you go to Geico insurance company...they have it on their link....call them number and they will be able to help you

mine was 300 dollars for the whole year...you just have to fax them an appraisal....


hope it helps

GEICO

Re: Ring Insurance ...

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Posted by Shorty McBride

I use state farm.

Its a completely separate 'personal articles' policy....no homeowners or renters insurance necessary.

The rate is based on where you live, and how much you want to insure.

(A safe bet is to get an appraisal for about 1/3 more than you paid...to allow for inflation, etc.)

I pay $50 a year.

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I am also using state farm.... I'm paying about $100/yr... & it covers EVERYTHING.

Re: Ring Insurance ...

I useState Farm too...

We called around and tried to get a good deal and state Farm had the best. When FI tried to put it under his homeowner's policy - it was MUCH MORE EXPENSIVE than if I filed a seperate policy.

So I took it out myself and pay it separately.

Re: Ring Insurance ...

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Posted by Danacm80

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Posted by Shorty McBride

I use state farm.

Its a completely separate 'personal articles' policy....no homeowners or renters insurance necessary.

The rate is based on where you live, and how much you want to insure.

(A safe bet is to get an appraisal for about 1/3 more than you paid...to allow for inflation, etc.)

I pay $50 a year.

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I am also using state farm.... I'm paying about $100/yr... & it covers EVERYTHING.

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Another vote for the State Farm Personal Articles Policy. My policy cost is between these two ladies. No deductable and the policy covers appreciation value.

Re: Ring Insurance ...

Bump

Re: Ring Insurance ...

I work for SF..want a quote, FM me

Re: Ring Insurance ...

My FH had the ring insured before her even left the Jewlers he said

He proposed on the beach and he said he kept having nightmares of spending the whole day sifting through the sand looking for the ring after I dropped it

WEll I dind't drop the ring But it was insured.

I suggest you take our a personal articles policy on the ring. This way, if the ring is ever stole or you lose it, its covered. Also, God forbid the diamond ever gets loose an falls out that is covered to.

All you need is a written appraisal from a jewler and the insurance agency willprobably take a picture of it.
Defenitely get it insured!!!!

Re: Ring Insurance ...

I have my ring insured with jewelers mutual. check out their website.

Re: Ring Insurance ...

We have my ring insured through Allstate, under our renters insurance policy. I believe it's $18 per year (for every thousand it's worth).

HTH!!