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?
Captsarkasm
Posted:
Member since
Re: e ring insurance
you just have to bring the appraisal (sp) to your insurance company. They can add it to any policy. We put mine on our homeowner's insurance....
ntunison
Posted:
Member since
Re: e ring insurance
wow, seems like im the only one without insurance on my ring...
andreamedic
Posted:
Member since
Re: e ring insurance
Posted by pupidda122505
I insured mine through this insurance company: Jewelers Mutual
I second Jewelers Mutual. First you have to have it appraised. There is a great guy in Garden City. FM me if you want his info. Then you send it all in to the ins. company. Mine costs $96 a year.
lilred13
Posted:
Member since
Re: e ring insurance
I am not sure where he got the insurance from but I know its good. If I lose my ring or it gets stolen they replace it. If you want more info FM me and I will look it up for you
cherilicious16
Posted:
Member since
Re: e ring insurance
yeah. i def have to get it appraised first since it wasn't 'bought' but passed down and who knows where the original documents are?!!! I feel guilty having taken so long to get the right info, but better late than never. Thanks again ladies!!!
cherilicious16
Posted:
Member since
Re: e ring insurance
Posted by lilred13
I am not sure where he got the insurance from but I know its good. If I lose my ring or it gets stolen they replace it. If you want more info FM me and I will look it up for you
lilred13..you are getting married on my birthday!!! Yay good luck!
lisaslove
Posted:
Member since
Re: e ring insurance
mine is insured with on our renters insurance
mycrayon1
Posted:
Member since
Re: e ring insurance
Posted by lilqtpie2181
its on my daddys home-owners until we get our own place.
I'm almost the same thing except its under FILS homeowners insurance.
giggles62
Posted:
Member since
Re: e ring insurance
I did not put it under renter's / homeowners insurance due to the fact that they never give you what it is appraised for.
I used Chubb and it has world wide coverage. If it is lost they send me a check for the amount the ring was appraised for. My sister uses Jewelers Mutual and likes them. The policy price is based on a dollar amount per hundred.
Insurance is so worth it.
Beth1210
Posted:
Member since
Re: e ring insurance
Posted by giggles62
I did not put it under renter's / homeowners insurance due to the fact that they never give you what it is appraised for.
I used Chubb and it has world wide coverage. If it is lost they send me a check for the amount the ring was appraised for. My sister uses Jewelers Mutual and likes them. The policy price is based on a dollar amount per hundred.
Insurance is so worth it.
I used Chubb also - and insurance it for what it apparised for- b/c the price of diamonds is always going up - and if you lose it in 5 years- it might cost a lot more to get the same thing you have now
I paid 2% the apparised value
bellaro782
Posted:
Member since
Re: e ring insurance
My fh got insurance before he gave it to me .. Im very klutzy and break and lose things all the time lol .. I think it was like 300 - 500 for the year
JazzyT
Posted:
Member since
Re: e ring insurance
FH and I recently bought a home and put it on our homeowner's insurance.
Heather11207
Posted:
Member since
Re: e ring insurance
We added it onto our homeowner's insurance - all I had to do was fax them a copy of the appraisal. .
Danacm80
Posted:
Member since
Re: e ring insurance
I have it under its own policy with State Farm... its covered for EVERYTHING.. and the rate was cheap.. you should check it out
tomsgirl07
Posted:
Member since
Re: e ring insurance
I got my ring insured through Travelers- it's who I have my homeowner's insurance through, so we just added it to the policy. You'll need to give them an idea of the cost of the ring so they'll be able to give you a quote. You won't have to provide an appraisal or anything- you'll only need that if you're makig a claim against your policy.
MNM7to7
Posted:
Member since
Re: e ring insurance
Posted by andreamedic
Posted by pupidda122505
I insured mine through this insurance company: Jewelers Mutual
I second Jewelers Mutual. First you have to have it appraised. There is a great guy in Garden City. FM me if you want his info. Then you send it all in to the ins. company. Mine costs $96 a year.
I third Jewelers Mutual and I think I used the same guy in Garden City for my appraisal.
Blu-ize
Posted:
Member since
Re: e ring insurance
Just a side note to the appraisals..every few years get a new one. The diamonds should increase in value over time and you want to make sure that your insurance company has an accurate appraisal.
I'm due to get a new one now and I've been procrastinating.
