FH and I just went to get my ring appraised.. and were wondering about getting it insured.
Has anybody done this? and does anybody know how to go about doing this..?
I am horrible with losing /misplacing things and I couldnt imagine doing that with my e-ring.. but if it was lost would the insurance cover it? thanks girls...
Browneyesncute
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i got mine insured with my renters insurance!
Espo22
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yeah everybody should have it insured
Jumbles
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mine is insured w/ my broker that handles my car insurance
mandag
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I insured mine with USAA - they will replace it with a ring that has stones of equal size and clarity but they can do it through any jeweler is my understanding.
My ring is antique - so they have to insure it for the exact appraisal amount because it isn't technically 'replaceable.'
Hillary0912
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Posted by mandag
I insured mine with USAA - they will replace it with a ring that has stones of equal size and clarity but they can do it through any jeweler is my understanding.
My ring is antique - so they have to insure it for the exact appraisal amount because it isn't technically 'replaceable.'
Ok thanks a lot.. I guess I could also put it under our homeowners ins. too than.. thanks again!
teenigrrl
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def get it insured. i got mine insured through jeweler's mutual. i wanted diff insurance, but since i dont' have a car or a home, no one would take the jewelry policy as a stand alone policy. when we buy a house, we're adding it to the home owner's policy. it's not expensive, and it gives you such great peace of mind.
bigrd37
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Posted by teenigrrl
def get it insured. i got mine insured through jeweler's mutual. i wanted diff insurance, but since i dont' have a car or a home, no one would take the jewelry policy as a stand alone policy. when we buy a house, we're adding it to the home owner's policy. it's not expensive, and it gives you such great peace of mind.
I think this is my company too. it's jewelryinsurance.com. definitely get it insured!
Hillary0912
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Posted by bigrd37
Posted by teenigrrl
def get it insured. i got mine insured through jeweler's mutual. i wanted diff insurance, but since i dont' have a car or a home, no one would take the jewelry policy as a stand alone policy. when we buy a house, we're adding it to the home owner's policy. it's not expensive, and it gives you such great peace of mind.
I think this is my company too. it's jewelryinsurance.com. definitely get it insured!
I def. will.. thank you!!!!
FinallyEngaged
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I have my ring insured through Chubb... they have a special engagement ring policy
I am an insurance broker so I did a lot of research with this!!! It is a stand alone policy and they will replace my ring exactly... and with any jeweler i want.....
The great part about this policy is i can add other pieces of jewelry or fine arts on it.... i recently added some of my wedding presents too!!!
KickinDandelions
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my parents put mine as a rider on their home insurance...it covers everything regardless of whether it's lost or stolen, no matter where it is..
ETA: I also found this link on Chubb's Masterpiece Valuable Articles Coverage...
musicgrl79
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i had mine insured theb week i got engaged. id be in big trouble if i lost it before it was insured!!
anneandchris
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Def get it insured. If you have an home owners policy you can get it put on that.
Mine is under a seperate policy -- FH did it before he even gave me the ring.
Snick n Nick
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Mine is an addendum to my renter's policy. You will have to send/fax them a copy of the original appraisal with whoever's name is on the renters/homeowners policy on the appraisal (we had this problem b/c FH got the appraisal with his name and address, and I wanted to add it to my policy, so I had to get a new copy with my name and address---obviously we don't live together yet!)
Hillary0912
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Yeah we own a home so I figured thats the way I would do it but I didnt know if it was better to actually go with a jewelry insurance.. I guess its all the same..
Wifeynella
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Posted by Browneyesncute
i got mine insured with my renters insurance!
same here! its like 40 bucks a month for both.
MrsD71208
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I have mine insured through our homeowners policy...definitely do it! I went to the Jewelry Judge in Mineola.....he's a certified gemologist....he's the best!
mendi725
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I did it through geico...it's very important to insure it.
stickymartini
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Get them insured as soon as you can. You never know what can happen so better to have it covered!! Lot's of girls wont wear their rings on their honeymoon because they're afraid of something happening to it but if you have insurance on it..it can be replaced. I did my e-ring & band through jewelers mutual.
Future Mulligan
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mine is insured with jewelers mutual.....if your ring was a substantial amount of money for your FH to spend than i would def insure it. even though it wont replace the sentimental value of the ring at least you wont be left with nothing. i got mine appraised at macys 2 days after we were engaged and that week it was insured. i have another ring that was about 2K but we never insured it because for that amount of money it wasnt worth the payments - not that the ring wasnt expensive but b/c for us it was worth the risk to not have an insurance payment so its all relative to how much money you think is worth paying a year, every year for the ring. for us it was def worth it to insure my e-ring. but i pray that we will never have to use it!
