Brides Helping Brides ™ - E-ring Appraisal/Insurance

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E-ring Appraisal/Insurance

csorisi Posted: Apr 13, 2006 03:06 PM+

csorisi MEMBER SINCE: 2/05 TOTAL POSTS : 1764 WEDDING DATE: Nov 04, 2005

Posted: Apr 13, 2006 03:06 PM

Re: E-ring Appraisal/Insurance

We added it as a rider to my parents homeowners insurance. It is a certain amt of money for every thousand the ring appraises for. We just got homeowners insurance and for my e-ring & wedding band it was $303 for a 19,000 policy.

Tria1110 Posted: Apr 13, 2006 03:27 PM+

Tria1110 MEMBER SINCE: 3/06 TOTAL POSTS : 1135 WEDDING DATE: Oct 27, 2006

Posted: Apr 13, 2006 03:27 PM

Re: E-ring Appraisal/Insurance

I had mine insured by an insurance company that just insures jewelery. The appraiser thought this was the best way to go. (We own a house and it is not covered specifically on our home owners insurance).

FM if you want more info....

Beth1210 Posted: Apr 13, 2006 03:38 PM+

Beth1210 MEMBER SINCE: 6/05 TOTAL POSTS : 4059 WEDDING DATE: Dec 10, 2005

Posted: Apr 13, 2006 03:38 PM

Re: E-ring Appraisal/Insurance

I got a policey thru Chubb- it's 2% of the appraised value

there are 2 schools of thought on wheather to appriase it for what you paid or what its apprasied for

however- the price of Diamonds go up- and if you lose your ring in 5 years- you might not be able to replace it for what you paid today

October Bliss Posted: Apr 13, 2006 04:32 PM+

October Bliss MEMBER SINCE: 8/05 TOTAL POSTS : 7633 WEDDING DATE: Oct 08, 2006

Posted: Apr 13, 2006 04:32 PM