(Closed) Bling insurance???

posted 10 years ago in Rings
Post # 3
Member
2293 posts
Buzzing bee
  • Wedding: July 2008

You can insure your ring via a rider on your home owners or renters insurance, or via a separate policy (like Jewelers Mutual).  You will need at least the receipt for you ring; an appraisal is a better idea, and will be required if the ring is over a certain value.  You can get it appraised at most jewelry stores (for a fee), if you don’t have an appraisal.  If he really did get a great deal you undoubtedly want to insure for appraised value rather than what he paid for the ring.  In future, you can generally get a appraisal (just for asking) when you buy the jewelry.

Post # 5
Member
45 posts
Newbee

i took my ering to an independent appraiser in my area.  i wasn’t able to add a rider to my renters insurance, so i went online to touchstone insurance and purchased a separate policy for my ering.  you can also call a local ins. agent in your area for quotes.

Post # 8
Member
2324 posts
Buzzing bee
  • Wedding: February 2018

You need to make sure you get a policy that covers the replacement cost, not actual cost you paid. I would get an independent appraisal from a local store and compare it to the one that came from the online store. Make sure you add your wedding band as well. 

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