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We got the appraisal from the jeweler we purchased the stone and setting from, and then purchased the insurance from Jeweler's Mutual. It was insured before it ever left the store, because we were too nervous not to take that precaution!
When your fiance bought your ring, they should have also given him an appraisal. If not he should go back and get one.
My ring is on our renters insurance, which is in my fiance's name. It should not be a problem for him to insure the ring, even if you are not. If they have a problem it, can he add your name to the policy?
My ring was appraised by an independent appraiser who comes into the jewlery store my ring was purchased at. My fiance owns the home we live in, but because my name is not on the mortgage at this time, I had to get a renter's insurance policy.
My ring was insured with a personal article policy, which worked out to be $30 for a whole year! I blogged about it here. Good luck!
Our appraisal was given when DH got the ring and they gave him information on where to insure it. If you have renters insurance (you dont need to own a home) you can add it to that.
I don't see why it matters if the renters insurance is in your fiances name...he should be able to add it as an additional item...it might go up 20 or 25 bucks a year.
I know Macys does appraisals, but I'm not sure how much they cost. My appraisal came with the ring and I just went through Jewelers mutual online. I forget how much I had to pay, but it's not much and totally worth it. We don't have renter's insurance. I looked into it once and was told that we don't qualify because we're too close to water... which is crap, but whatever.
My fiance insured my ring through the same insurer as his renter's and car insurance. It's through USAA, and it's $78 annually for $10,650. The jeweler that he bought the ring from gave him an appraisal and faxed it directly to the insurance company (after he told them which one).
Is this comparable to others' insurance premiums for rings? I suspect my fiance went with his usual insurer because it was the easiest, but I would definitely like to know if there is less expensive coverage out there.
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Can anyone share advise on how they went about appraising and insuring my engagement ring.
Most sites I read recommend adding to homeowner or renter's insurance. We don't own our own home and I would rather not put it on my parents insurance and our renters insurance is in my Fiance's name.
Thanks bees!