e-ring insurance?

hi girls- i was just wondering how many of u have had your engagement rings insured? if so- how do you go about doing so? TIA

I did right away. It costs an extra $50.00 per 1,000 it was appraised for.


Once I had it appraised, I put it on my homeowner's insurance. MY FI bought a theft/damage plan, but it did not cover if you lost it. I took an extra rider out with Allstate.



If you lose it, you will be devastated. At least you won't have the financial burden too. Plus, they usually appraise it higher than you bought it for.

I dont own a home so its not insured through my HO ins.
My broker insured it through Chubb which I hear is pretty much the best you can get....

I have one with State Farm.

My ring has it's own policy b/c we do not own or rent anything to add it on to. It is $275 for the year and if anything happens to it- they replace the EXACT ring I have (as per my GIA certificate). So I will get the same exact style, cut, clarity, color and size... And there is no deductable.

NO we haven't done that yet

i think you can just add it to your home owners if you have home owners

I just got mine insured about a month ago because I need to send it away so I can have my wedding ring made to fit it, and I wanted it insured in case anything happened in transit, etc.

I went to a jewelry store in the mall and had them do an appraisal, and then I insured it through www.jewelersmutual.com .
I don't own a home, or even rent one yet (I live with my parents), so this way just seemed easier.

---

Posted by MrsDaniRella

I have one with State Farm.

My ring has it's own policy b/c we do not own or rent anything to add it on to. It is $275 for the year and if anything happens to it- they replace the EXACT ring I have (as per my GIA certificate). So I will get the same exact style, cut, clarity, color and size... And there is no deductable.

---

Same here!!

i had my e-ring insured through state farm- which also does my car ins, as well as my renters insurance policy. its an easy add on to renters or home owners- but any insurance carrier could probably do it. i would do it asap- that way god forbid anything happens to it (theft, loss, etc) you get all of your money back! you can't beat that

---

Posted by weddingbunny

I just got mine insured about a month ago because I need to send it away so I can have my wedding ring made to fit it, and I wanted it insured in case anything happened in transit, etc.

I went to a jewelry store in the mall and had them do an appraisal, and then I insured it through www.jewelersmutual.com .
I don't own a home, or even rent one yet (I live with my parents), so this way just seemed easier.

---

thats what we used(jewlers mutual) we don't own a home or rent so we took out our own policy. We didnt want to put it under my parents home owners and have to pay them once a year

and you can get the appraisal done at the Jewlery Judge on Old Country Road ( i think westbury) he is awesome and the price was very resonable. jewleryjudge.com

---

Posted by MrsDaniRella

I have one with State Farm.

My ring has it's own policy b/c we do not own or rent anything to add it on to. It is $275 for the year and if anything happens to it- they replace the EXACT ring I have (as per my GIA certificate). So I will get the same exact style, cut, clarity, color and size... And there is no deductable.

---

I have the same thing. God forbid anything happens, if it was insured for a monetary value, it might not cover it anymore with the price of diamonds going up!

DH had it appraised and insured before he put it on my finger or I wouldnt wear it.

I gave him my renters insurance policy number and when he bought it, he faxed the appraisal to Allstate. Done deal. I approved the transaction before it happened. I take no chances.

---

Posted by MrsDaniRella

I have one with State Farm.

My ring has it's own policy b/c we do not own or rent anything to add it on to. It is $275 for the year and if anything happens to it- they replace the EXACT ring I have (as per my GIA certificate). So I will get the same exact style, cut, clarity, color and size... And there is no deductable.

---

thanks girls!! that sounds really good- i definitely have to do this soon!!