(Closed) Insurance?

posted 6 years ago in Rings
  • poll: Did you get e-ring insurance?
    Yes : (26 votes)
    81 %
    No : (5 votes)
    16 %
    Other (explain please!) : (1 votes)
    3 %
  • Post # 3
    9056 posts
    Buzzing Beekeeper
    • Wedding: June 2010

    Not a straight forward answer… Our regular house insurance policy covered up to $5000 for jewelry for theft so I don’t have an additional rider. If your regular house or content insurance doesn’t cover the replacement cost of your ring or you want a “mysterious loss” policy you may want a separate rider. 

    Post # 4
    82 posts
    Worker bee
    • Wedding: June 2014 - The Millennium Center

    Were getting insurance through perfect circle. Our local jeweler recommended it. They have an online calculator for how much the rings worth, deductible, and then tells you how much your yearly bill will be. They cover pretty much any circumstance. Our regular home insurance only covered up to $1500 but only if they house caught on fire or someone robbed the house or something like that. 

    Post # 5
    139 posts
    Blushing bee
    • Wedding: November 2012

    My ring came from online, too.  I went to an independent jewelry appraiser who examined and took pictures of my ring, then gave me paperwork showing the replacement value, including sales tax (which was much higher than what my Fiance paid, so this is definitely worth doing) and referred me to Jeweler’s Mutual to purchase an insurance policy.  I had a quick 10 minute appointment with them, gave them a copy of the appraisal and some basic personal info, and purchased a policy that covers damage and/or loss, with no deductible or geographic restrictions.  It was a great value for the security, and though I haven’t had to deal with a claim (thankfully), I’d highly recommend them.

    Post # 7
    269 posts
    Helper bee
    • Wedding: October 2012

    I AM a jeweler and I also use Jeweler’s Mutual, which is the same thing as Perfect Circle (they recently rebranded).

    I recommend them for all my customers over homeowners or renters insurance – sometimes if you need to make a jewelry claim your whole homeowners insurance policy will increase in price, whereas with Jeweler’s Mutaul your jewelry is separate so there’s no chance of that happening. It’s very affordable and they are great to deal with. 

    And YES, you should have insurance! I can’t tell you how many sad faces come into my store because the person took off a glove and the ring went down a storm drain or something – without insurance, there’s nothing I can do for you. Get the peace of mind!

    Post # 8
    10367 posts
    Sugar Beekeeper
    • Wedding: September 2010

    We just got around to doing this for all our rings (plus my camera gear). We got a personal article policy from State Farm for it when we did our renter’s insurance.

    The topic ‘Insurance?’ is closed to new replies.

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