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no sorry. i just added mine onto my homeowners. and now i have to change it since i changed my ring lol
i'm doing it through geico. i have my car insurance and renters' insurance with them. they told me to do a separate policy from my renters' insurance though b/c if your engagement ring is under your renters' insurance, they give you replacement value as opposed to the actual value if you had it under a separate policy.
I am in the same boat and actually FH told me I should do it today also. Where I got my ring appraised recommended them. They said their prices were great and in addition, they said unlike other insurances, there is no deductible.
I use them. I think you can either get a replacement or just the $$. It's not too expensive. I wanted separate because I didn't ever want to make a mistake and not be covered during moving (as happened to FH's stepmom when she lost her ring). We will prob move once more before moving into a house (hopefully). You should get it appraised every few years since the $$ to replace will go up with inflation and stuff.
We just bought my band and that is getting appraised today actually and then we will be getting the rings insured too. I am leaning towards Jewelers Mutual....they seem to have a great reputation and I like the idea of not having a deductible. I do have a call in to see how it would work to add to our renters insurance instead but I havent heard anything back from State Farm yet.
Thanks girls! I actually don't have renters insurance, so maybe I'll look into getting that under Allstate (where I have my auto ins) and just add the ring under that. Gotta check out all the prices..
