(Closed) Please Recommend. What Insurance company did you use for your E-Rings? How much?

posted 5 years ago in Rings
Post # 3
Member
5969 posts
Bee Keeper
  • Wedding: April 2018

@GizmoQT1:  You can add a floater for your ring to any existing homeowners policy at a really inexpensive rate…usually anywhere from .10 to .20 per $1,000 of value…if your FI still balks, just ask him to show you where he keeps the escrow for the full purchase price of a new ring should it get lost or stolen and you’ll forget about insuring it 😉

Post # 4
Member
1658 posts
Bumble bee
  • Wedding: August 2015

Jeweler’s Mutual. Depends on how much your ring costs, but for my old $4000 ring, it cost about 100 bucks a year I think. With my new $1000 ring it costs about $55 a year (as $1000 hits their minimum coverage price). This is all with no deductible either.

Post # 5
Member
1044 posts
Bumble bee
  • Wedding: June 2014

We added it to our renters policy. I think it’s $12 a month, well worth it!

Post # 6
Member
263 posts
Helper bee

@GizmoQT1: We just got our information to do it through Jewelers Mutual. 

Post # 7
Member
3420 posts
Sugar bee
  • Wedding: September 2014

@maplemag:  Thats what we plan to do.

Like a good neighbor, Statefarm is there!

Post # 8
Member
6661 posts
Bee Keeper
  • Wedding: May 2010

I insure my e-ring ring and my Tiffany wedding earrings through Chubb. I’ve been around the block with insurance companies and they have by far the best reputation for paying personal lines claims.

Post # 10
Member
50 posts
Worker bee

I got my insurance through State Farm.  My agent convinced me to get a special policy, just for the ring.  My ring appraised for around 5,000 and I pay $57 a year with no deductible.  Definitely worth every penny and it also takes inflation into account, so as the price of gold and diamonds increases, so does my policy value.

Post # 11
Member
922 posts
Busy bee
  • Wedding: September 2013

@GizmoQT1:  Have you insured it yet?  If not, I added mine to our homeowner’s (American Family) for $50 a year.  But it’s based on the appraisal of your ring, too. So it could vary.

Post # 12
Member
8003 posts
Bumble Beekeeper
  • Wedding: March 2014 - A castle

@GizmoQT1:  I used jeweler’s mutual insurance company.  $25/year.  It would take MANY years to cover the cost of my ring, so I figured it’s WELL worth it.  They cover lost, stolen, damaged (chips/missing stones/etc) rings and pretty much anything else you could think of happening… knock on wood!

Post # 13
Member
113 posts
Blushing bee
  • Wedding: November 2013

My policy is about $130 for the whole year with State Farm – completely separate from my other policies with them.  I can skip Starbucks to pay for that…it’s so worth it. Tell your honey that if he can’t write a check for it on the spot, he needs to insure it. Diamonds won’t get cheaper, but they will cost more!

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