Ring Insured?

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Posted by ellie424

Yes! FH got my ring insured before he proposed to me.

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same here - its through allstate.

FH had it insured before he gave it to me. Not only is it good in case I lose it, but god forbid I ever get attacked or mugged, he wants me to just give the ring up because it's covered.

We added it as a rider to our renter's insurance.

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Posted by ellie424

Yes! FH got my ring insured before he proposed to me.

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me too - I know it through state farm

Thank you girls so much for your responses! I am definitely going to check out Jewler's Mutual

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Posted by KYBride09

What's the best way to get it insured? I don't have car insurance, no one in our family have their own house.... Jeweler's Mutual??

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yea thats the best way. thats what we did because he had it insured under his mothers homeowners insurance before he gave it to me. they did it as a favor. but they said once he gives me the ring, it becomes my possession and would need to be insured under my homeowners policy- but i dont own a home and dont have renters insurance, so we insured through jewelers mutual. it was very easy, but i would say once you do have a homeowners policy/renters policy to move it under that policy.

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Posted by Soon2bMrsH

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Posted by KYBride09

What's the best way to get it insured? I don't have car insurance, no one in our family have their own house.... Jeweler's Mutual??

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yea thats the best way. thats what we did because he had it insured under his mothers homeowners insurance before he gave it to me. they did it as a favor. but they said once he gives me the ring, it becomes my possession and would need to be insured under my homeowners policy- but i dont own a home and dont have renters insurance, so we insured through jewelers mutual. it was very easy, but i would say once you do have a homeowners policy/renters policy to move it under that policy.

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Thanks

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Posted by cherry33

Question for everyone...how much in addition to homeowners insurance does it cost or does it fall under homeowners to insure it?

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i think we pay an extra $100 a year

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Posted by cherry33

Question for everyone...how much in addition to homeowners insurance does it cost or does it fall under homeowners to insure it?

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It depends on the value of the ring. FH had mine appraised by the GIA and submitted that document to our insurance company. They then let us know what the increase would be.

I think it depends on the value of the ring and also whether you are likely to lose it or what the setting looks like.

If the ring value is high, insure it.
If you are likely to lose the ring, insure it.
If the setting is a little scary - aka four prongs so if one is loose, the stone will fall, then insure it -esp the first year when you are getting used to the ring.