I'm so f-ing busy I can't get anything done during the day. FH is even worse, some night we drop dead asleep before even having a chance to talk.
So I need to get ring insurance, I have appraisals for both wedding and e-rings.
Where do I get it done, do I just mail a copy of appraisals, can it be done over fax/phone?
Do I have to go to an office? Mind you I don't get home till 9pm most nights and I'm out of the house at 6am. I really don't have minute to spare lately and want to get this done!
MikeandJess
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Re: Ring Insurance?
Do you have homeowners or renters insurance? If you do you can call your regular insurance co. and insure it under one of those lines of business, you won't have to go in.
lauraandrob2009
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Re: Ring Insurance?
As long as you have the appraisal, you can do it via fax/phone - don't need to go in person. I'm using Travelers and they cover everything (including loss/theft) for a very reasonable price. I worked with Erin at Ruchman Associates on Long Island. 516-764-8330.
Jaime321
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Re: Ring Insurance?
Our ring insurance is through Chubb. Everything was done via fax/email!!
KRISTIND
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Re: Ring Insurance?
Try Jewelers Mutual its online and so far I have heard great things about them
Cpt2007
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I added mine to my renter's insurance. very quick and easier than taking out a whole new policy.
curiousgeorge
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We are still working on this! We tried to add it to our rental insurance but if your ring is valued over 20K its a BIG process. A representitive has to come over they send there own appraisal people. Since its been such a big process I havent been able to follow through with anything. Does anyone know a company who will work with this with out it being a process????
agraydc
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Re: Ring Insurance?
i used state farm, just called the agent we have for home owners, but i got a separate policy for my e-ring, all done over the phone and fax
dewdrop
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Re: Ring Insurance?
you can add it to your Homeowners or Renters if it's appraised under a certain amount. But if it's over that amount, then what they can do is add a rider to your policy. If you don't have either Homeowners or Renters....then i dont think there's a standard market for mono-line ring policy.
jtgarsik
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Re: Ring Insurance?
i found that State Farm has one of the best coverages...it actually covers the exact cut, clarity, color, size, etc. as opposed to just the dollar amount. the problem with places that insure by dollar amount is that diamonds always go up in value...so in 10years if u lose ur ring, ur only insured the original amount thats on ur policy instead of the new increased value on ur ring..i'm sure there are other agencies that do this too, but state farm is one that i know of for sure. good luck!
dewdrop
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Posted by jtgarsik
i found that State Farm has one of the best coverages...it actually covers the exact cut, clarity, color, size, etc. as opposed to just the dollar amount. the problem with places that insure by dollar amount is that diamonds always go up in value...so in 10years if u lose ur ring, ur only insured the original amount thats on ur policy instead of the new increased value on ur ring..i'm sure there are other agencies that do this too, but state farm is one that i know of for sure. good luck!
i has State Farm too and the coverage totally rocks my rocks.
KittyGags
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Ummm I just called my insurance company and I have to get a separate policy because my ring appraised too high (they said the max they cover is 18, which I don't feel is that much).
Does anyone have a contact at State Farm I can use? I feel pretty stupid calling State Farm like HI CAN SOMEONE HELP ME?!
FutureMrsG
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Try jewelers mutual- You can apply for the insurance on line and fax, email or mail the appraisal.
http://www.jewelersmutual.com/
dewdrop
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Re: Ring Insurance?
Posted by KittyGags
Ummm I just called my insurance company and I have to get a separate policy because my ring appraised too high (they said the max they cover is 18, which I don't feel is that much).
Does anyone have a contact at State Farm I can use? I feel pretty stupid calling State Farm like HI CAN SOMEONE HELP ME?!
gil cosenza 631-669-2069 tell him tess referred you. you can also talk to allison if he's not available.
KittyGags
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Posted by dewdrop
Posted by KittyGags
Ummm I just called my insurance company and I have to get a separate policy because my ring appraised too high (they said the max they cover is 18, which I don't feel is that much).
Does anyone have a contact at State Farm I can use? I feel pretty stupid calling State Farm like HI CAN SOMEONE HELP ME?!
gil cosenza 631-669-2069 tell him tess referred you. you can also talk to allison if he's not available.
And would you mind telling me if you have to have your renters/homeowners thru them to get the ring policy thru them?
I already paid mine for the year and I don't really feel like switching it up.
dewdrop
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if you call to get it all quoted, they might be more competitive than your current package. it's worth just to find out.
KittyGags
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Posted by dewdrop
if you call to get it all quoted, they might be more competitive than your current package. it's worth just to find out.
Thanks I spoke to Liz, she asked me for your last name, i'm like urrrrrr?
Not too bad and around $300 less than what my homeowners quoted me :)
Colleen214
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Posted by KRISTIND
Try Jewelers Mutual its online and so far I have heard great things about them
i have mine insured through them, and it was super easy....i just had to mail them a copy of the appraisal
dewdrop
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Posted by KittyGags
Posted by dewdrop
if you call to get it all quoted, they might be more competitive than your current package. it's worth just to find out.
Thanks I spoke to Liz, she asked me for your last name, i'm like urrrrrr?
Not too bad and around $300 less than what my homeowners quoted me :)
nice!!!! and if you add your car(s) it might be even more competitive. good luck!
sharivera
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Re: Ring Insurance?
Jewelers Mutual...it can all be done online.. you just fill out the forms and then scan and email them a copy of the appraisals.....quick and easy..they are reputable, have been around for a long time...
