e-ring insurance

jags77 Posted: Apr 07, 2003 12:01 AM

e-ring insurance

Speaking of insurance, does everyone have insurance on their eng ring? I don't yet and it is making me nervous - when I think about it. How much does it cost on average? Is it best to get it from where I have homeowner's insurance?

Helene718 Posted: Apr 07, 2003 12:04 AM

Re: e-ring insurance

The cost will vary depending on the value of your ring. Definitely get it. I had it within a few days of getting my ring and I was nervous to wear my ring in those few days before I had it. I believe you can do it through your homeowners policy. Definitely do it!

littlecat Posted: Apr 07, 2003 12:05 AM

Re: e-ring insurance

Homeowner's insurance is not necessarily the best thing you have to watch out for them. Ask around, i think it is ok if it can go on a separate jewelry policy, it is better. I have heard that if it is under the regular policy, it is hard to get the money or what it is worth. Look at both options and ask around.

jennbaby Posted: Apr 07, 2003 12:05 AM

Re: e-ring insurance

I use Allstate, I pay $990 a year for my renters insurance & my ring as a rider. The ring is what makes it a bit high.

Olgaki Posted: Apr 07, 2003 12:05 AM

Re: e-ring insurance

You can def do it through your home owners policy!!! And do it!! It will make you feel better

littlecat Posted: Apr 07, 2003 12:05 AM

Re: e-ring insurance

Definately get insurance though.

yabbobay Posted: Apr 07, 2003 06:48 AM

Re: e-ring insurance

its been 2+ years...and I still don't have insurance on it!!

groovypeg Posted: Apr 07, 2003 06:52 AM

Re: e-ring insurance

i pay $100 a year for it plus $260 for renters. i go thru allstate.

ChristineC68 Posted: Apr 07, 2003 07:45 AM

Re: e-ring insurance

My ering and the wedding bands are included as a rider on our renters insurance policy. I dont know how much it is, DH doesn't want me to know the value of my ring, but I think we pay about $400-500 a year. He just had to have pictures of the ring taken and an appraisel to give to the insurance broker.

babybride Posted: Apr 07, 2003 07:49 AM

Re: e-ring insurance

You can add the ring to your homeowner's policy. I didn't do that though. I used Chubb. The price of the policy depended on the value of the ring.

Robeymuse Posted: Apr 08, 2003 10:28 AM

Re: e-ring insurance

I would have it insured. FI got it fully insured- lost, stolen, drops down the sewer, stones falls out, anything at all and it is $290/year.

LnP2003 Posted: Apr 08, 2003 10:30 AM

Re: e-ring insurance

definitely do it! i'm covered for $4K & I'm only charged $90 for the year!

kptoys Posted: Apr 08, 2003 10:31 AM

Re: e-ring insurance

I have allstate on my ring also and its $107 a year.

jennbaby Posted: Apr 08, 2003 10:32 AM

Re: e-ring insurance

LNP now I know why my insurance is sooo high!

kelly6273 Posted: Apr 08, 2003 11:08 AM

Re: e-ring insurance

I went to a great ring appraisal place in Garden City called The Jewelry Judge. It's on Old Country Road. They appraise your ring right in front you...it is never out of your sight. I think the appraisal was about $75 (that was over a year ago though...prices may have changed). They recommended insurance through Jewelers Mutual. I pay $140 per year. I'm pretty sure they have a web site. I'll try to find it for you.

HappyEverAfter Posted: Apr 08, 2003 11:14 AM

Re: e-ring insurance

I go through State Farm. I have a personal articles policy w. them for my ring and pay $200/year for that. I have a lot of coverage on the ring (can buy a car for what this is insured for) I also have renters through them, costs me about $200 a year for that as well.