ensuring your ring.

5272012 Posted: May 03, 2011 07:40 PM

ensuring your ring.

did any of you insure your ring?

If so, how did you go about insuring it?

Thanks!

Jill52787 Posted: May 03, 2011 07:47 PM

Re: ensuring your ring.

FH did because he proposed in DR. I'm not sure how he went about it but I'll ask him!

SeptemberBride2012 Posted: May 03, 2011 07:47 PM

Re: ensuring your ring.

FH had it insured before we went away (he proposed in Ireland) - He did it through All State and I think its part of a 'renters' insurance policy - only costs like $30/month - so far we haven't needed to use it - and we will likely drop the insurance after the wedding reception.

ksugar44 Posted: May 03, 2011 07:58 PM

Re: ensuring your ring.

FH went into a State Farm Office....I think it's like $75 (but I'm not sure if that's for the year, half a year, of a quarter)

FutureMrsGTL Posted: May 03, 2011 08:10 PM

Re: ensuring your ring.

FH insured the ring before he gave it to me. My insurance is through jewelers mutual.

ddms7870 Posted: May 03, 2011 08:12 PM

Re: ensuring your ring.

FH put it on his homeowners!

Bride in 2012 Posted: May 03, 2011 09:22 PM

Re: ensuring your ring.

Posted by FutureMrsGTL

FH insured the ring before he gave it to me. My insurance is through jewelers mutual.

this!

Soon2BMrsJoeBear Posted: May 03, 2011 09:25 PM

Re: ensuring your ring.

crashing! jewelers mutual gave me the best prices by far... and the deductibles vary so you can choose what works best for you. HTH!

1112bride Posted: May 03, 2011 09:27 PM

Re: ensuring your ring.

Posted by Bride in 2012

Posted by FutureMrsGTL

FH insured the ring before he gave it to me. My insurance is through jewelers mutual.

this!

THIS! My ring is also insured through Jeweler's Mutual. I think I will continue to insure it because the thought of losing my ring or having it stolen makes my stomach turn. I'm a very nervous person so having the coverage just makes me feel better!

MrsJPH2012 Posted: May 03, 2011 09:37 PM

Re: ensuring your ring.

I'm pretty sure mine is jewelers mutual too but I'm not sure.

We just need to have it inspected every 6 months, and I like the coverage because say something tragic happens to the ring ,we get to pick out a new one and a new stone, we aren't just given one of the insured value, which was really important to FH because he spent hours figuring out the specific stone.

roblisa09 Posted: May 03, 2011 09:50 PM

Re: ensuring your ring.

Posted by Soon2BMrsJoeBear

crashing! jewelers mutual gave me the best prices by far... and the deductibles vary so you can choose what works best for you. HTH!

This!!! It's so cool to know my ring is insured!!!

leelou48 Posted: May 03, 2011 10:50 PM

Re: ensuring your ring.

UGH I am having such a hard time with this!! My homeowners insurance will not accept the appraisal and my broker is like thats weird, you are switching companies.

So now she keeps tryin to re-rate it but I live in a flood zone so nobody else will insure us.

I'm thinking I might have to check out these other policies you guys have mentioned-- I'm just sad about adding another stupid bill and another payment to send.

kdm822 Posted: May 03, 2011 10:55 PM

Re: ensuring your ring.

i need to!! my cousin said her cousin does it - i could find out if you want

Jill52787 Posted: May 03, 2011 11:06 PM

Re: ensuring your ring.

My FH used Jewlers Mutual as well he told me

StephanieJoy Posted: May 03, 2011 11:36 PM

Re: ensuring your ring.

both my e ring and band are insured.

i had to get them apraised, the rings are ensured under my parents homeowners inurance

MsMagztobe Posted: May 04, 2011 09:54 AM

Re: ensuring your ring.

We did it on our homeowners insurance

Rivera2be Posted: May 04, 2011 09:55 AM

Re: ensuring your ring.

Please Please Please insure your rings girls, it is so important, trust me from personal experience!

I highly recommend Jeweler's Mutual, they cover if anything happens to the ring.
I'm not positive but I believe if it is insured under your homeowner or renter insurance, the ring is only covered if taken from your home, not if lost or stolen in the street.

LBUDA Posted: May 04, 2011 11:46 AM

Re: ensuring your ring.

Yes, FH got my ring insured...he went to statefarm, and I think is paying around $200/year.

FutureMrsGTL Posted: May 04, 2011 11:51 AM

Re: ensuring your ring.

Posted by Rivera2be

I'm not positive but I believe if it is insured under your homeowner or renter insurance, the ring is only covered if taken from your home, not if lost or stolen in the street.

This. My homeowners policy told me that they would only cover the ring if it was stolen from my home.

BklynBabe1624 Posted: May 04, 2011 01:23 PM

Re: ensuring your ring.

Posted by 5272012

did any of you insure your ring?

If so, how did you go about insuring it?

Thanks!

I insured it 3 days after receiving it. I went through Jewelers Mutual, much cheaper than most agencies I quoted. Very professional service, and received my policy in about a week. Great service! Highly recommended!