Post # 1
I got additional insurance Thursday because my homeowners only covers in the home. I was more concerned if we were on vacation or in the beach that something could get lost or stolen. I was quite surprised to discover it was cheap. I got my weddings set, hubby’s set, and tag Heuer watch covered for only $11 a month. I wish I’d thought of this sooner but recently got my e-ring appraised and was shocked that it was triple the cost of ring so thought it’d be a good idea. Curious how many other bees chose to get coverage. For those who may want to know we have USAA 🙂
Post # 2
We have usaa too and got additional coverage. I have no idea what we are paying for it, but I don’t think its too $$.
Post # 3
buggy09: Most homeowner’s policies also have a very low limit on jewelry, even if it is stolen or lost at home. You need to get a rider for extra jewelry insurance.
Post # 4
buggy09: Yes, we went through Jewelers Mutual and had a great experience. It’s super cheap, covers loss of stones, theft and “mysterious disappearance.”
Post # 5
Our rings have separate coverage. As julies1949: noted, most (if not all) homeowner’s policies will not cover expensive jewelry, and everything over a certain amount (say $1,000) requires a rider or separate policy.
Post # 6
Are there other companies than JM that Insure jewlery separately? My BFF had a terrible Experience with them.
Post # 7
My home owner’s insurance needed a copy of the appraisal for any piece of jewelry over $5k.
Post # 8
We have USAA too and added a Valuable Property rider onto our account. I had a friend who had her home broken into and found out how little regular homeowner’s insurance covers jewelry.
Post # 9
Yes, we have a personal articles policy to cover all of my jewelry over $500, my fur, my husband’s watches, and his camera equipment.
Post # 10
Westwood: I had to provide my appraisal too. The $11 a month is worth it though. I know we don’t have $8000+ to purchase a new ring if something were to happen
Post # 11
We had USAA originally, but i wasnt too thrilled with how they described they would handle loss with my e ring (diamond/band). They were saying they would replace it with like blah blah wouln’t straight answer me if i could use jeweler of my choosing etc. We ended up going with Perfect Circle (jewelers mutual). It is about 20k coverage between all our rings and it is 120 a year i believe. We still have our renters, car ins etc through USAA.
Post # 12
We also have perfect circle. We are in college and still renting so we don’t have a homeowners policy to add it to.
Post # 13
We have Jewelers Mutual Insurance on my ring.
Post # 14
All of our insurance is through USAA- they are the best! Anyway, homeowners only covers a relativy small amount of your belongings insode the house. we purchased a sep policy on my ring so it will be covered no matter where the loss occurs, etc. My original in a different setting was appraised, but I just had it reappraised last August after having it reset in a WG baguette setting with bigger and cleaner diamonds. We are paying $800 per year for $56,000. If you haven’t had your diamond appraised within the last 3 years or so, you may want to have it done, as diamond values have gone up considerably.
Post # 15
Also, with my policy, the diamond will be replaced if damaged, chipped, scratched, etc. also covers theft, loss, etc.