(Closed) Do you have ring insurance?

posted 9 years ago in Rings
Post # 3
Member
782 posts
Busy bee
  • Wedding: February 2010

(haha Loreinne, good posts!!)

As of right now – five months after he proposed – we have no ring insurance and it freaks me out. I get so scared everytime I accidently bang it somewhere. It’s been on my to-do list, now I just need to get it.

Post # 4
Member
121 posts
Blushing bee
  • Wedding: November 2009 - Cathedral of the Sacred Heart & The Jefferson Hotel

Ours is actually through our renters insurance. Its a seperate policy thats only a few bucks a month and so worth it for the piece of mind!

Post # 5
Member
2324 posts
Buzzing bee
  • Wedding: February 2018

It’s a rider on our regular insurance, but it’s there. I couldn’t imagine not having it now!

Post # 6
Member
327 posts
Helper bee
  • Wedding: June 2018 - Holy Family Catholic Church, reception: National Infantry Museum

I’m in the process of insuring mine.  I should have done it right after we got engaged, but that’s okay. 

Post # 7
Member
5154 posts
Bee Keeper
  • Wedding: June 2010

I have the insurance from the jewler (he was smart when he bought it!) and then also through our own private insurance and like @cloud said it is only a small amount each month 

Post # 8
Member
458 posts
Helper bee
  • Wedding: September 2009

My ring is protected through Kay Jewlers because that is where we purchased it from.  It goes in every 6 months to get checked and this will cover any repairs should anything happen to the setting or the diamond.  However – the protection through Kay DOES NOT cover my ring if I flush it down the toilet or lose it in the lake. 

This is what I have my Marine Rider Policy for.  It costs me about $62/year (my ring is valued at $6,200).  This requires no inspection, only the appraisal to start the policy.  This covers my stupidness should I flush it down the toilet or lose it in the lake.  So I’m covered in all options, regardless of whatever happens.

Was that too wordy? Sorry, just wanted to explain my options and why they matter to me.

Post # 9
Member
2205 posts
Buzzing bee
  • Wedding: June 2009

i added it to my insurance a few weeks after the engagement.  We need to switch it over now that we’re on our own!

It’s the most valuable thing we own (yes, even more than our car) and it’s scary to think I’m completely respnsible for it!  The insurance makes me rest a little easier.

 

Post # 10
Bee
13616 posts
Honey Beekeeper
  • Wedding: September 2009 - Barr Mansion

Yep, we got my ring insured through our homeowners/car policy.  It’s a great deal when you get it all together like that.

Post # 11
Member
45 posts
Newbee
  • Wedding: May 2009

You NEED to have ring insurance. The best thing to do is put it under your homeowners policy. It is not that expensive at all. We did that ASAP after getting engaged and will do it with our wedding rings. A coworker of mine went on her honeymoon last month and lost her rings in the ocean!  (I can’t even imagine wearing them in the ocean to begin with, but still, very, very sad) She lost a 1.5 carot solitaire with surrounding stones and her diamond wedding band. She will never find them and they were not insured! I would throw up if that happened to me. Hopefully she can come to terms with it and make peace with having lost her rings after not even being married for a week. Don’t let this happen to you!

Post # 12
Member
512 posts
Busy bee
  • Wedding: September 2010

FH got mine insured before he even proposed.  It’s only about $100 a year under our homeowner’s insurance.

Post # 13
Member
12 posts
Newbee
  • Wedding: November 2009

I agree with everyone else. I have it as a rider with my renter’s insurance. I travel for my job and was terrified of something happening to it before I had it insured. The jewerly will clean and repair it but if someone steals it or I lose it, the insurance takes over. It’s a small price to pay.

Post # 14
Member
732 posts
Busy bee
  • Wedding: July 2010 - The Tower Club

FH timed it so I would receive the ring the night before a trip to visit my family, and I was thrilled! But I was SO anxious about traveling with it. The day after we came back, I started the process to have the ring added to my insurance. I have a separate personal articles policy that I use for my camera equipment, and I added it to that.

Post # 15
Member
2144 posts
Buzzing bee

I have Jewelers Mutual (we don’t own a home, nor do we have renter’s insurance). It’s not too expensive, and I pay once a year. I didn’t get it insured right away. I was talking with a friend about how I wanted to get it insured, and then the next day I lost it x.x Luckily I found it 10 days later and inured it right away! Wedding bands still arent insured though…

Post # 16
Member
199 posts
Blushing bee
  • Wedding: September 2009 - Catholic ceremony, reception at local armory

I have insurance through my rental insurance, and it’s also insured (except for loss) from the jeweler.  I would definitely recommend getting it….losing your ring would be terrible, but losing it and not being able to replace it would just be heartbreaking.

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