LIWeddings.com
Post New Topic

Engagement Ring Insurance?

queensora1980 Posted:

Engagement Ring Insurance?

How do we go about in doing this? I'm stumped. TY Ladies!

MaggieLuvsJoe Posted:

Re: Engagement Ring Insurance?

I live at home so I added it to my parents home owners policy, once were married I;m going to add it to my own policy (either home owners or renters)

some people take out a seperate policy with a jewelry insurance company. Theres one that alot of people use, my appraiser actually gave me a pamphlet but I cant find it, Im sure if you google ins co for jewelry it will come up but my brother works for Allstate and he said the best thing to do is add it to your homeowners policy so thats what I did.

I think all you have to do is fax them the receipt of what the ring costs and they insure it for that amount, you can also send the appraisal and insure that amount, its up to you.
bride2be8 Posted:

Re: Engagement Ring Insurance?

I opened a policy through state farm just for my ring.

alli3131 Posted:

Re: Engagement Ring Insurance?

i added it to my car insurance policy. I have a joint car/renters insurance policy and they just added a rider. But you can get just a jewelry policy. THey are really cheap

anie922 Posted:

Re: Engagement Ring Insurance?

Definitely add a rider to your renters or homeowners policy, but make sure you get the right kind of coverage. You can get basic jewelry covered very cheaply but you need to be sure you insure the ring specifically, not the jewelry in general because it won't cover the full value of the ring if you lose it/it's stolen/damaged.

JenBill61210 Posted:

Re: Engagement Ring Insurance?

www.jewelersmutual.com, i got a quote, filled out the application, mailed it in w/ a check

PROBM Posted:

Re: Engagement Ring Insurance?

I have geicco for my car insurance and renters SO I called them and I got a separate personal article insurance they were so nice on the phone and gave me a payment plan that was negotiable. Highly recommend

stinenandy2010 Posted:

Re: Engagement Ring Insurance?

I called Geico b/c I have my car insurance with them but they could NOT give me a personal property insurance for the ring since I don't have my homeowners and/or renters insurance with them

I have my renters with state farm so I went with them. You need to have an appraisal from a jeweler (usually the one who set your ring) and then they insure it. Make sure to insure it for everything from theft to loss to accidental.
jen919ifer Posted:

Re: Engagement Ring Insurance?

I work for an insurance brokerage, and have my brokers license. If anyone wants to insure their ring FM me and I can get you a free quote. I have mine insured with a couple other pieces of Jewelry.

fabulousmady Posted:

Re: Engagement Ring Insurance?

I got it thru Chubb. The fee's are reasonable and if anything should happen to the ring they cut a check. A lot of insurance company's will REPLACE your ring with one of equal value. Make sure you know what you are getting in your policy.

amunson Posted:

Re: Engagement Ring Insurance?

you can basically shop around for the best deal and/or specifics you are interested in. Just make sure you get an appraisal!

bobchris1023 Posted:

Re: Engagement Ring Insurance?

I opened a seperate policy with State Farm Insurance.

CMBove Posted:

Re: Engagement Ring Insurance?

My appraiser metioned that it best to get separate jewlerly insurance.

fdny3113 Posted:

Re: Engagement Ring Insurance?

I put it through my parents home owners insurance. good luck

TrueLoveIn2008 Posted:

Re: Engagement Ring Insurance?

I have jeweler's mutual and like it. It's a once-a-year payment of like $150, which isn't a lot but still succks to lay out, but totally worth it! I added a few other pieces of jewelry to mine too, it's not a lot really.

Cpt2007 Posted:

Re: Engagement Ring Insurance?

I added it to my renters insurance. All of my jewelery is covered under the policy.

ttw910 Posted:

Re: Engagement Ring Insurance?

We added it to our renter's insurance. We use Allstate.

NickandTara426 Posted:

Re: Engagement Ring Insurance?

FH put it under the home owner's policy. I just faxed over the appraisal and he had to verify that I was sending the info.

dimples092907 Posted:

Re: Engagement Ring Insurance?

Posted by bride2be8

I opened a policy through state farm just for my ring.



I did the same thing. It's a personal property insurance policy.
vicky1125 Posted:

Re: Engagement Ring Insurance?

my FH took it through his home owner's policy.

Reply to this topic

Log in to reply or quote a post.