Insuring your ring

I still haven't gotten my ring appraised and plan on doing this weekend. The place where FH appraised it, but don't you have to go someplace else to have it appraised for insurance? And how did you insure your ring?

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Posted by Nina_m74

We used the appraisal it came with and put it on our home owner's policy.

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Did you and FH live together before you insured the ring? We both live with our parents.

I had the appraisal done at Macy's Herald Square. The ring is insured under my homeowner's policy.

If you ahd FH still live with each of your parents, then insure it under their policies and transferit after you get married and have your own homeowner's or renter's policies.
There is also Jewelers Mutual, that insures only jewlelry.

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Posted by GinaZ

Uuuugh I still need to get mine done- and ive been engaged 1.5 years!!! Ill prolly just not wait for FH and go do it myself.

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Me 2...

I should get on the good foot with this soon. We've been engaged 2 years, and already twice he had to bring this back to the jeweler because I lost a bigget.

I haven't lost or damaged it since the second time it's been fixed, but my accident-prone self could lose it in my sleep if I'm not careful...

Insure it ASAP and also, if you can, keep a copy of the original sales receipt. GOD FORBID you ever lose it, the insurance companies are HUGE a$$holes. I know someone going through this right now. They sent a 'special investigator' (aka retired cop with an attitude problem) to her house who 'helped her look' for it. Basically, the guy went through her entire house & treated her like a criminal. He went through her UNDERWEAR drawer. Ok? Enough said.

They (insurance company) demanded to see:
-The original sales receipt
-Original appraisal
-Pictures of her wearing the ring
-Bank or credit card statement showing the purchase of the ring
-Proof of the source of funds used to buy the ring
-his & hers CREDIT REPORTS
-his & hers PHONE RECORDS
-his & hers TAX RETURNS for the last 2 years!!!!
(they want to see if she/they are in debt & need the money I guess)

its been months & they still have not given her a penny towards a new ring. She now had to hire a lawyer and they are going to go to court to make the insurance company pay. Its been a HUGE nightmare.

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Posted by MiciB115

I still haven't gotten my ring appraised and plan on doing this weekend. The place where FH appraised it, but don't you have to go someplace else to have it appraised for insurance? And how did you insure your ring?

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as long as he didn't get it appraised at the same place he bought it, you should be able to use that appraisal

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Posted by carolinebr

Insure it ASAP and also, if you can, keep a copy of the original sales receipt. GOD FORBID you ever lose it, the insurance companies are HUGE a$$holes. I know someone going through this right now. They sent a 'special investigator' (aka retired cop with an attitude problem) to her house who 'helped her look' for it. Basically, the guy went through her entire house & treated her like a criminal. He went through her UNDERWEAR drawer. Ok? Enough said.

They (insurance company) demanded to see:
-The original sales receipt
-Original appraisal
-Pictures of her wearing the ring
-Bank or credit card statement showing the purchase of the ring
-Proof of the source of funds used to buy the ring
-his & hers CREDIT REPORTS
-his & hers PHONE RECORDS
-his & hers TAX RETURNS for the last 2 years!!!!
(they want to see if she/they are in debt & need the money I guess)

its been months & they still have not given her a penny towards a new ring. She now had to hire a lawyer and they are going to go to court to make the insurance company pay. Its been a HUGE nightmare.

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That's insane!!!!!

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Posted by LB and DC

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Posted by MiciB115

I still haven't gotten my ring appraised and plan on doing this weekend. The place where FH appraised it, but don't you have to go someplace else to have it appraised for insurance? And how did you insure your ring?

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as long as he didn't get it appraised at the same place he bought it, you should be able to use that appraisal

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The place he bought it appraised it too.

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Posted by MiciB115

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Posted by carolinebr

Insure it ASAP and also, if you can, keep a copy of the original sales receipt. GOD FORBID you ever lose it, the insurance companies are HUGE a$$holes. I know someone going through this right now. They sent a 'special investigator' (aka retired cop with an attitude problem) to her house who 'helped her look' for it. Basically, the guy went through her entire house & treated her like a criminal. He went through her UNDERWEAR drawer. Ok? Enough said.

They (insurance company) demanded to see:
-The original sales receipt
-Original appraisal
-Pictures of her wearing the ring
-Bank or credit card statement showing the purchase of the ring
-Proof of the source of funds used to buy the ring
-his & hers CREDIT REPORTS
-his & hers PHONE RECORDS
-his & hers TAX RETURNS for the last 2 years!!!!
(they want to see if she/they are in debt & need the money I guess)

its been months & they still have not given her a penny towards a new ring. She now had to hire a lawyer and they are going to go to court to make the insurance company pay. Its been a HUGE nightmare.

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That's insane!!!!!

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YUP and the lawyer they hired says he sees this ALL THE TIME. Insurance companies will do whatever it takes to get out of paying. They have been told it may take up to a year to get a new ring.

I work for an insurance company and we insure engagement rings.... mine was insured like two seconds after i put it on my finger!!

With the company I insure my ring with, all you need is the appraisal and you are good to go.

We have had a couple of insured who have either lost their ring or have had it stolen and all they had to do was show their appraisal, a picture with the ring on and they were given a full refund on the value of the ring. If you have any questions, FM me, I will be happy to help.

Def. try Jewelers Mutual.

we had no problem and the price was cheap! All you need is the appraisal and they figure everything else out.

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Posted by FinallyEngaged

I work for an insurance company and we insure engagement rings.... mine was insured like two seconds after i put it on my finger!!

With the company I insure my ring with, all you need is the appraisal and you are good to go.

We have had a couple of insured who have either lost their ring or have had it stolen and all they had to do was show their appraisal, a picture with the ring on and they were given a full refund on the value of the ring. If you have any questions, FM me, I will be happy to help.

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You need a picture of yourself with the ring on? Do you have to be able to see your full body? I've never heard of that.