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we are getting insurance on the ring in case something happens to it...we haven't gotten it yet, but will soon be...
I just got renter's insurance for a myriad of reasons, but insuring my ring when the time comes was one of them- as well as my tv...furniture....clothes, etc. It's just good sense to have insurance of any item of worth.
Oh I am a spaz, we have a policy on my ring, full coverage in case of theft, loss, damage. It's not very expensive - you're definitely not being overprotective, I don't know where we'd get the money to replace it otherwise!
My FI insured my ring right away. Something that valuable has to be insured its smart.
Absolutely! Your ring is a substantial and you'd want it replaced if something happened to it. We added a jewelry rider to our renters insurance.
I think it might be worth it. I did not insure it as my renters insurance covers the ring for up to $3000. When the appraisal goes over $3000, which isn't long then I will need to insure it. I feel you can not over insure it.
It costs very little to add a carrier to your rental or homeowner policy to insure an engagement ring, so it almost doesn't make sense not to!
I got insurance on my ring. It costs us an additional $3 every month to cover $2k worth of jewelry.
I would recommend getting insurance on the ring. My ring is covered with Jewelers Mutual, which is specifically for jewelry. It's around $10 a year for every $1000 your ring is appraised for (depending on where you live). It's worth it to have a peace of mind! I move my hands a lot and I know one of these days I'm going to bang my ring on something :-)
You aren't being overprotective. It's easy to insure and doesn't cost that much money. We added it to my homeowner's insurance and it was covered the same day, just needed to bring in the description and an appraisal.
I agree with Spaniel, it costs nearly nothing to add it to your homeowner's/renters insurance. I believe when I added my ring, it cost $28 a year. Definitely worth it!
FI got my ring insured before proposing. It's $10 for every $1000 of value. I couldn't imagine not insuring it - I'd be freaking out about it every day!
I am definately getting insurance...I am gonna do it with my home insurance and it will end up being something like 5 bucks a month...DEF WORTH IT. But most of the time if you get it insured they need the official GIA certification of the diamond so if you dont have the ring certified you might have get that done...just a heads up!
As an insurance agent I highly suggest you get the little bit of extra insurance to cover your new ring! It's well worth!
Yes we added it to our home insurance - its not overprotective its smart!
We plan on it!!! It's a good idea! If it's lost in a fire or something it can be replaced (heaven forbid)!
GET IT! I'm not even going to be allowed to HAVE my ring before it's insured! I'm a klutz, and I lose things, and I work in some not awesome areas of town somtimes. Needless to say, it's going to be insured before I'm even allowed to know that he has it.
Definitely insure your ring. It won't cost much. Mine was added to my home owner's policy. Since I already use the same company for my home & car insurance, they were able to give me a good price if I combined all 3: car, home, ring.
definitely getting mine insured! we have renters insurance so i plan to tack it onto that.
Oh and just to add - if you don't have a home or renters insurance (we can't, long crazy story), you can still insure the ring itself, since it's jewelry you never take off. I think it's not AS cheap as adding to a home policy, but as Girl With a Ring said, about $10 for every $1000 of value per year.
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I'm thinking about add insurance to my engagment but i dont want to seem like i'm over protecting my ring. So question is..
For my bees who are married or engaged, Did u add insurance to your engagment ring?
And my waiting bees, who is think about it?