Ring insurance?

posted 3 years ago in Rings
  • poll: Are your ring(s) insured?
    Hell yes : (28 votes)
    67 %
    Nah : (6 votes)
    14 %
    Crap...I keep meaning to do that.. : (8 votes)
    19 %
    people insure their rings!?! : (0 votes)
  • Post # 3
    1888 posts
    Buzzing bee
    • Wedding: August 2014

    Mine aren’t insured on their own, but my renter’s insurance company attached a rider to my policy several years ago that covers all my jewelry (I have a Rolex watch that is worth more than almost all my other jewelry combine) and my laptop computer.  Everything’s covered under that even if something happens outside the apartment.

    Post # 4
    2052 posts
    Buzzing bee

    I purchased ring insurance from Perfect Circle because while like you, I would be devastated if I lost my ring, I wouldn’t want the added heartbreak of having to buy a new one out of pocket.

    It allegedly covers everything, including mysterious disappearance.

    Post # 5
    1762 posts
    Buzzing bee


    msformaldehyde:  I’m not sure exactly what my ring’s insurance covers, but I assume theft and loss? My FI is so sweet/responsible that she made sure to get insurance, certificates, ring cleaner, and a ring dish for my proposal. I’m a little accident prone, so I really appreciated the gesture lol. I hope that nothing ever happens to my ring, but it’s comforting to know that we have some protection just in case 🙂

    Post # 6
    3649 posts
    Sugar bee

    My daughter’s have them – they’re an addition to their homeowner’s policy. I never did, because my grandmother gave hubby her .25 carat ring, to give me. (We were poor college students, at the time).

    Post # 7
    1664 posts
    Bumble bee
    • Wedding: October 2013

    My engagement ring is but I haven’t had my wedding band appraised yet to add it to the policy (diamonds were a gift from my mother and DH didn’t get it appraised when it was made!) I need to do that ASAP!

    Post # 9
    4911 posts
    Honey bee

    Mine are insured. My ring under a separate jewelry policy (personal articles floater), and my wedding band under our Homeowner’s policy. Our HO policy wouldn’t cover replacement value for the ERing part of my set, which is why we got a separate policy. But my wedding band wasn’t as expensive.

    Post # 10
    668 posts
    Busy bee
    • Wedding: November 2014

    Jeweler’s Mutual all the way. We checked out adding a rider to our renter’s insurance but it was very restrictive, didn’t cover much, and was only a little less expensive.

    I have heard too many stories about loss/theft of rings and then subsequent disappointment in the skimpy nature of default home owner’s/renter’s insurance to not have a specific policy.

    Post # 11
    6964 posts
    Busy Beekeeper
    • Wedding: August 2012

    I added mine to our home owner’s insurance. I had to have them appraised since they are over $5k and on a separate rider or whatever it’s called.

    Post # 12
    357 posts
    Helper bee

    Absolutely!  We have all of our expensive items (jewlery, clothing, watches, ect..) covered under our homeowners insurance.  It’s so inepensive and everything is covered!

    Post # 13
    6788 posts
    Busy Beekeeper
    • Wedding: March 2014 - A castle!

    msformaldehyde:  Mine are insured through Jeweler’s Mutual. The annual premium is like $30/year and it covers everything – lost, stolen, chipped center stone, missing stones, etc. For something so sentimental and expensive there’s no reason not to have it. A lot of people add it on to their home owner’s or renter’s insurance – I went with a separate 3rd party company because I heard good things about them on the boards here. I’ve never had to file a claim (knock on wood) so I can’t really testify to the level of their customer service.

    Post # 14
    434 posts
    Helper bee
    • Wedding: August 2014


    msformaldehyde: Before I answer the post: I think you mentioned that you FI is in the military in a previous post. Check with USAA as they offer premiums that are half of what Jeweler’s Mutual is which comparable coverage and benefits. My appraiser said they are the best in the biz and recommends that all eligible people go there first for insurance.

    I think it all depend on the couple and finances. I do not have insurance but am looking at policies. The problem we are running into is that the premiums are pretty high for my ring. FI feels that they likelyhood of me losing my ring, having it stolen, or damaging it is very low so he doesn’t see any value in paying huge amounts in premiums. If something did happen he would just bite the bullet and put up the money to buy me a replacement. 

    As I said to each their own.

    I think you mentioned that you FI is in the military in a previous post. Check with USAA as they offer premiums that are half of what Jeweler’s Mutual is which comparable coverage and benefits.

    Post # 15
    613 posts
    Busy bee

    msformaldehyde:  I’m pretty lucky and my ring is actually double covered. FIs parents have a pretty extensive jewelry insurance policy because they have many beautiful pieces from watches to wedding jewelry and more. So they got mine and FSILs engagement rings covered under their policy but it is very strict! but covers everything. I have to get my prongs inspected every 6 months! but it’s well worth it. We also have renters insurance. my ring is also covered under that policy but only if its damaged in the apartment like fire or something extreme like that.

    either way I know Im covered which is nice because im a complete cluts!!

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