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Engagement Ring Insurance

Sarahg9 Posted: Sep 09, 2013 08:25 PM+

Sarahg9 MEMBER SINCE: 8/13 TOTAL POSTS : 610 WEDDING DATE: May 24, 2015

Posted: Sep 09, 2013 08:25 PM

Engagement Ring Insurance

I don't know anything about how to do this. I can add it to my renter's insurance policy but do you have to get it appraised? if so are there restrictions of certain places I would have to go or special jewelers? And how much does it cost to get appraised?

larlynn Posted: Sep 09, 2013 08:30 PM+

larlynn MEMBER SINCE: 10/12 TOTAL POSTS : 883 WEDDING DATE: Dec 07, 2013

Posted: Sep 09, 2013 08:30 PM

Engagement Ring Insurance - Long Island Weddings

FH insured mine through Jeweler's Mutual because it covered more than the renter's insurance did. He definitely needed the appraisal- the jeweler he purchased the ring from provided it and I'm not positive, but I think he may have needed the GIA cert, too.

guitarstikibars Posted: Sep 09, 2013 08:39 PM+

guitarstikibars MEMBER SINCE: 7/13 TOTAL POSTS : 1990 WEDDING DATE: Aug 29, 2014

Posted: Sep 09, 2013 08:39 PM

Re: Engagement Ring Insurance

FH got mine appraised through the jeweler. He did not put it through homeowners insurance because separately more is covered. it is very cheap ... something like $40 for the year!

it's my understanding that the appraisal was free.

Jack84 Posted: Sep 09, 2013 09:29 PM+

Jack84 MEMBER SINCE: 2/12 TOTAL POSTS : 715 WEDDING DATE: May 29, 2015

Posted: Sep 09, 2013 09:29 PM

Engagement Ring Insurance - Long Island Weddings

FH had the jeweler appraise mine then went to State Farm (we have our renters insurance through them) & I believe it is $200ish for the yr. I think it is based on what your ring is appraised for & how much coverage you need. Def piece of mind!

flynn14 Posted: Sep 09, 2013 09:34 PM+

flynn14 MEMBER SINCE: 1/13 TOTAL POSTS : 1852 WEDDING DATE: Jun 28, 2014

Posted: Sep 09, 2013 09:34 PM

Engagement Ring Insurance

I got mine appraised actually in Canada and added it to my renters insurance. They just asked me to fax them a copy of the appraisal. That's it. It was pretty simply. My renters insurance is through MetLife.

MissToMrs Posted: Sep 09, 2013 09:52 PM+

MissToMrs MEMBER SINCE: 2/13 TOTAL POSTS : 855 WEDDING DATE: Dec 06, 2014

Posted: Sep 09, 2013 09:52 PM

Engagement Ring Insurance - Long Island Weddings

My appraisal came from the jeweler where we purchased all our rings. We both live at home so I have my ring insured under a perfect circle and then we will place it under our home owners when we purchase something! I needed my appraisal and pictures and pay 75 a year!

lauren1802 Posted: Sep 10, 2013 07:47 AM+

lauren1802 MEMBER SINCE: 10/11 TOTAL POSTS : 5335 WEDDING DATE: Sep 20, 2013

Posted: Sep 10, 2013 07:47 AM

Engagement Ring Insurance - Long Island Weddings

we got appraised at marinelli jewelers in eastport. they were really nice and very good.

we took it to state farm where our homeowners is, but it ended up being a separate jewelry policy.

Lisa and Steven Posted: Sep 10, 2013 08:08 AM+

Lisa and Steven MEMBER SINCE: 2/13 TOTAL POSTS : 1273 WEDDING DATE: Jun 20, 2014

Posted: Sep 10, 2013 08:08 AM

Engagement Ring Insurance - Long Island Weddings

I used Jeweler's Mutual since it covered more then my homeowner's policy did. All I needed was to send them my ring appraisal.

winnie52376 Posted: Sep 10, 2013 08:54 AM+

winnie52376 MEMBER SINCE: 1/13 TOTAL POSTS : 506 WEDDING DATE: Apr 26, 2014

Posted: Sep 10, 2013 08:54 AM

Re: Engagement Ring Insurance

Posted by Jack84

FH had the jeweler appraise mine then went to State Farm (we have our renters insurance through them) & I believe it is $200ish for the yr. I think it is based on what your ring is appraised for & how much coverage you need. Def piece of mind!

Exactly this!

I just renewed my policy through State Farm. It was $203 for the year.

Angie2014 Posted: Sep 10, 2013 09:33 AM+

Angie2014 MEMBER SINCE: 4/13 TOTAL POSTS : 1283 WEDDING DATE: Aug 17, 2014

Posted: Sep 10, 2013 09:33 AM

Re: Engagement Ring Insurance

Posted by Jack84

FH had the jeweler appraise mine then went to State Farm (we have our renters insurance through them) & I believe it is $200ish for the yr. I think it is based on what your ring is appraised for & how much coverage you need. Def piece of mind!

This! FH put it on his State Farm renters insurance as well. He is getting full coverage, which we wanted since he gave me his great grandmother's rock. The appraisal was free and was arranged by the jewelers where he got the setting.

Stephanie621 Posted: Sep 10, 2013 10:20 AM+

Stephanie621 MEMBER SINCE: 10/12 TOTAL POSTS : 264 WEDDING DATE: Jan 01, 2014

Posted: Sep 10, 2013 10:20 AM

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Sugaplum111905 Posted: Sep 10, 2013 02:09 PM+

Sugaplum111905 MEMBER SINCE: 11/11 TOTAL POSTS : 969 WEDDING DATE: Oct 25, 2013

Posted: Sep 10, 2013 02:09 PM

Re: Engagement Ring Insurance

Posted by guitarstikibars

FH got mine appraised through the jeweler. He did not put it through homeowners insurance because separately more is covered. it is very cheap ... something like $40 for the year!

it's my understanding that the appraisal was free.

Sorry for crashing... Who is your insurance carrier that its $40 a year... That's great!!!! I have with my homeowner's policy and I pay $300 alone for the ring.