e ring insurance

Anyone get their e ring insured>? People keep telling me I should do this...especially since the ring is a family heirloom~ but I dont know where to go or how to go about the process...any ideas?

Re: e ring insurance

I know that the jeweler who made my e-ring STRONGLY recommended to have insurance on it, as did basically everyone else i spoke to. FH owns our co-op, so he put it with his homeowner's insurance.

Re: e ring insurance

its on my daddys home-owners until we get our own place.

Re: e ring insurance

many people do it under their home or renters insurance. I dont own or rent so I would ask jeweler.

Hold on...I think I read about how to insure here on LIW


I will update post after I search

Re: e ring insurance

Get it
It is so cheap and will keep you at ease.

If you rent, you can add it to that or it you own same thing. Just get it appraised and call your broker.

Re: e ring insurance

I insured mine through this insurance company: Jewelers Mutual

Re: e ring insurance

I have my ring insured. I got it insured through stat farm. We had to get rental insurance for my apartment and then we get another policy which was a roll over policy for the ring.

Re: e ring insurance

i have mine thru state farm - its personal property insurance.

I still live at home and my grandmother owns the hosue (its a two family) so for her to get a rider was a pita.

Re: e ring insurance

It is under my parents home insurance. I advise you definitley get it insured. If ANYTHING at all happens you are covered.

Re: e ring insurance

Mine is on my renters insurance.

Re: e ring insurance

Wow! Thanks ladies so much....I really appreciate the help! I think I'm going to have to go with the way Meaghan did it..personal property thru State Farm.
** Added onto the TO DO LIST!

Re: e ring insurance

me and FH rent an apt so since we dont own a home yet we have renters insurance so we put it through there and i forgot how much we paid for the whole year but its not bad


you just have to fax over the appraisal the insurance company and thats the coverage that you get...at least that is how mine worked

Re: e ring insurance

Mine is a rider under my mom's home owner's policy (I still live at home). They say that it has to be 'where the ring lives', unless you specifically get jewlery insurance.

IMO, I would def insure it. I mean if, God forbid, it gets lost of stolen, it can never replace the original, but it will be replaced physically.

Re: e ring insurance

FYI: it's good to get insurance specifically FOR the ring. many people put it under their homeowner's or renters... which is better than nothing... BUT... a friend of mine lost hers and although it was under the homeowner's they didn't cover it. to be covered under homeowners, the ring would have to be damaged or lost due to something that happened to the home... i.e. a flood, fire, etc. my friend's little child apparently got a hold of the ring and lost it and homeowners would not cover it because there was no damage to the home. hope this makes sense....

Re: e ring insurance

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Posted by donegal419

FYI: it's good to get insurance specifically FOR the ring. many people put it under their homeowner's or renters... which is better than nothing... BUT... a friend of mine lost hers and although it was under the homeowner's they didn't cover it. to be covered under homeowners, the ring would have to be damaged or lost due to something that happened to the home... i.e. a flood, fire, etc. my friend's little child apparently got a hold of the ring and lost it and homeowners would not cover it because there was no damage to the home. hope this makes sense....

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Mine is under my homeowner's insurance as a 'Scheduled Personal Property' and specifically lists the specs of the ring along with the appraised value...it better be covered if it's lost!!!! haha

Re: e ring insurance

DEFINITELY get e ring insurance. God forbid you lose it, or a stone. You don't want to worry about that. It's not expensive at all.

Re: e ring insurance

we don't have our own place so we bought a seperate insurance policy through state farm for my ring. i just called our agent (he also happens to be FH's next door neighbor lol)

Re: e ring insurance

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Posted by cherilicious16

Anyone get their e ring insured>? People keep telling me I should do this...especially since the ring is a family heirloom~ but I dont know where to go or how to go about the process...any ideas?

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I did, I added a ryder to my home ,

Re: e ring insurance

Matt had my e-ring insured through my parent's homeowner's insurance since I still live with them.

Re: e ring insurance

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Posted by lilqtpie2181

its on my daddys home-owners until we get our own place.

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Me too!! Mom and Dad let me on the home owners. Cheaper that way.