Ok so this morning I really F*cked up my engagement ring. I cried to FH about it all morning b/c I was so upset. Jimmy brought it to a jeweler to get repaired and they mentioned insurance and FH lied and said yes we had it but just figured I'd get it fixed faster than going through insurance.
Who did you girls use for insurance? How does this all work?? I just want to get it ASAP so god forbid something else happens, i'm covered
Snick n Nick
Posted:
Member since
Re: Ring insurance
oh I'm so sorry! I'm sure it will be ok! I have mine insured as an addition to my renter's insurance policy, which is through Liberty Mutual. You will need a copy of the Appraisal of the ring with the name and address of whoever owns the insurance policy on it. good luck and don't be too upset! it will get fixed!
Future Mulligan
Posted:
Member since
Re: Ring insurance
get insurance!!
teenigrrl
Posted:
Member since
Re: Ring insurance- Hellpppp
Get it insured ASAP! I got my insurance the day after we were engaged. If you own a home, you can get it added on to your home owners insurance. I went through Jewler's Mutual because I don't own our place, and it was hard for me to get a stand alone policy through Chubb or any other insurance company.
JoesFutureWife
Posted:
Member since
Re: Ring insurance- Hellpppp
I did it thru my parent's homeowners insurance thru allstate. If is approximately $30 for every $1000 your ring is appraised for. SOOOO WORTH IT!! Get it insured!!
kimNanthony
Posted:
Member since
Re: Ring insurance- Hellpppp
I have mine insured through Jewelers Mutual
anneandchris
Posted:
Member since
Re: Ring insurance- Hellpppp
Sorry about your ring but get it insured ASAP! FH got it insured before he even gave it to me.
If you own a home, or have renters insurance you can get it through there. You can even take a policy on it alone through almost any insurance company. There is also a Jewerly Insurance company that you do it all online -- I will get the name for you. My friend is a broker and that is how she did her ring -- she didn't want people at work knowing what it was worth so she did it seperate from her company.
dajc23
Posted:
Member since
Re: Ring insurance- Hellpppp
Ok thanks girls!!...I'm going to look into these tonight. I was putting something away in my hallway closet this morning while i was talking to FH and the door SLAMMED on my finger. It slammed so hard it bent my band upwards and actually pushed one of the baguettes out of the setting (it was found). I started screaming crying, FH was a little pissed but new it wasnt on purpose, obviously. The jeweler even said by the looks of the ring (which is not cheap) that it saved my finger. It was slammed hard like it would have broken my finger. I feel so lost without it!!
skinny237
Posted:
Member since
Re: Ring insurance- Hellpppp
U can ask your car insurance people too. I have to get insurance too!
smplynluv
Posted:
Member since
Re: Ring insurance- Hellpppp
FH did it through his homeowner's insurance...
MikeandJess
Posted:
Member since
Re: Ring insurance- Hellpppp
It's under our homeowners policy. Do you and your FH own or rent a home? If you do you can insure your ring under valuable articles / jewelry in your homeowners or renters insurance policy.
Snowflake08
Posted:
Member since
Re: Ring insurance- Hellpppp
nationwide insurance $200 for the year
LeeLee111
Posted:
Member since
Re: Ring insurance- Hellpppp
Mines part of my renters insurance policy, you should definitely get it.
musicgrl79
Posted:
Member since
Re: Ring insurance- Hellpppp
mine is insured at state farm under a personal articles policy. it covers the full value of my ring and there is no deductable. if its lost or stolen i get the full price for it.
ILOVEBRIAN2008
Posted:
Member since
Re: Ring insurance- Hellpppp
i JUST got mine insured and i feel much more safe now lol...i got it with my rentals insurance through geico
FinallyEngaged
Posted:
Member since
Re: Ring insurance- Hellpppp
I am an insurance broker so i did my research and I have mine insured through a special engagement ring policy through Chubb
MeaganAndJoeC
Posted:
Member since
Re: Ring insurance- Hellpppp
Im glad the stone was fixed and its not to late to get the insurance so do not worry
lexi1890
Posted:
Member since
Re: Ring insurance- Hellpppp
You should get it insured right away. We went to the Jewelry Judge in Garden City. He appraised the ring, wrote up the full description of my ring with a picture and all , then he gives you an insurance copy and a copy for yourself and all the paperwork you need to insure the ring with one of the nations leading jewelry insurance companies. The insurance is less thant $150 for the year but based on the weight of your diamond. The appraisal I believe started at $98 up to 1 karat and then went up in small increments. Its worth it though. My diamond is certified and he actually rated my diamond better then the certification so FH got a great deal and the ring is worth more then what he paid. Accidents like these can make our hearts stop.
