Ring Insurance?

posted 3 years ago in Rings
Post # 2
Member
2661 posts
Sugar bee
  • Wedding: May 2014

I have mine insured through USAA, my homeowners insurance.  I don’t know any good independent ones.  I agree with you regarding insurance.  The first call I made after my ring came was to the insurance company.  No way am I wearing this thing every day without insuring it!

Post # 3
Member
3614 posts
Sugar bee
  • Wedding: February 2009

Perfect Circle by Jewelers Mutual.  It is easy, comprehensive, and affordable.

Post # 4
Member
103 posts
Blushing bee

jcent:  Agreed.  Perfect Circle.  I was able to get the ring insured the day I got it.

Post # 5
Member
3614 posts
Sugar bee
  • Wedding: February 2009

Mine took a few days to approve, but it was really easy and stress free.

Post # 6
Member
4797 posts
Honey bee
  • Wedding: May 2014

Wallapanich:  But they don’t cover your ring if it gets eaten by a rat or is damaged by a nuclear explosion.

Post # 7
Member
1478 posts
Bumble bee
  • Wedding: July 2016

I have a personal articles policy with State Farm for my Macbook. I thought it was unnecessary until my cat spilled a glass of water on my previous one, completely frying it.  They paid for me to get a new one, with no cost to me at all.  I plan on adding my ring to the policy once I get it!  I already discussed it with my agent, so I know it’s “allowed” by that type of policy.  I don’t think most people know it exists, but I was so thankful with my computer!  I also have a renter’s insurance policy with them, but they’re separate.  

Post # 10
Member
1649 posts
Bumble bee
  • Wedding: August 2015

Perfect Circle from Jewelers Mutual was great with me when I lost my ring. I’m so glad I insured it. Jewelry insurance companies rarely offer good service because lost and stolen jewelry is a high liability for an insurance company with little to no deductible from people who insure their rings most times. JM has great service IMO.

Post # 11
Member
326 posts
Helper bee

Team Perfect Circle here!!!! 🙂 

Post # 12
Member
1136 posts
Bumble bee
  • Wedding: March 2015

Wallapanich:  Same thing happened to me when I tried to add mine to our renters insurance! They wouldn’t ensure a ring that was valued at more than 50% of the value of our contents, and when I asked to increase the contents coverage they wouldn’t let me coz they deemed that as over-valuing.. so essentially I couldn’t win!

I ended up transferring our contents insurance to another company, increasing the coverage and adding the ring. I don’t live in the US so can’t recommend an insurer (i’m assuming you’re a US bee?) but have a look in to swapping your contents to someone else – it was super easy and actually worked out cheaper anyway!

Also, I TOTALLY agree with you that rings should be insured. Unless its not really worth anything, I think you’d be crazy not to! You may already know this but just make sure you’re covered for anywhere in the world, not just at home. Lots of people make that mistake and if you lose it while you’re out and about they won’t cover you!

Post # 13
Member
2052 posts
Buzzing bee

Perfect Circle here as well. I can’t say how they are totally because I haven’t lost my ring, but they were very reasonably priced and were as easy as getting an appraisal (which I actually found pretty interesting)

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