Ring insurance companies with reviews needed :-)

posted 3 years ago in Rings
Post # 3
Member
1298 posts
Bumble bee
  • Wedding: November 2012

@McBezel:  I use perfect circle insurance (Jeweler’s Mutual) (www.perfectcircleinsurance.com). I have not had to make a claim through them so far but it was really easy and fast to set up. You fill out their online form and upload or email them a copy of your appraisal for each piece you want to insure that states a description of the jewelry and its value should it need to be replaced in the future.  

Post # 4
Member
1195 posts
Bumble bee
  • Wedding: July 2013

I too have perfect circle. Have not had to use them yet but setting it up was easy and fast! 🙂

Post # 6
Member
328 posts
Helper bee
  • Wedding: March 2014

@emstar168:  That’s the thing.  The “set up” part is where you give THEM money.  That is ALWAYS easy.  I am nervous about how many of these companies handle claims.  Especially ones with “replacement” and not cash value.  They decide what “like kind and quality” means, it worries me…

Post # 7
Member
7997 posts
Bumble Beekeeper
  • Wedding: December 2013

@Eradicatereality:  I believe with Perfect Circle (what I have), you get to pick the jeweler. I think a lot of bees have insurance through them. I haven’t heard anything bad about them and I think it’s a very comprehensive policy. Like you can lose you ring anywhere in the world etc. I would definitely ask them tons of questions if you’re worried.

Post # 8
Member
1298 posts
Bumble bee
  • Wedding: November 2012

@Eradicatereality:  That is very true . . . of course they would make it easy to sign up and pay them 🙂 I did research it on here and on the pricescope forum and many people recommended them, so that is why I went with them. 

@McBezel:  If you put Jeweler’s Mutual in the search window on the bee, there are a ton of threads that are recent as well as several years old if you want to research about Jeweler’s Mutual. It seems to be pretty popular. 

Post # 9
Member
357 posts
Helper bee
  • Wedding: October 2013

@McBezel:  It wouldn’t go under your homeowner’s or renter’s. I thought it did when I called to insure mine, but it is a Personal Items policy. Mine is $30/year through State Farm, where I have all of my insurance, but it’s a separate policy. It covers anything that is not my fault (stone falling out, stolen, broken, etc). I would recommend you call whoever is your regular insurer for a quote. You already know and trust them (ideally).

Post # 11
Member
1170 posts
Bumble bee
  • Wedding: July 2002

Check with your homeowner’s insurance.  My agent was amazing when I lost my rings, and I didn’t even have a rider!  I just had a deluxe plan that covered $5000 for any loss, theft, or mysterious disappearance.  I put in the claim, emailed a receipt copy, and the $5000 check was cut the same day.  I didn’t have to even prove where I used the money (obviously that’s how I used it, but no proof required).  That’s my only holdback with jeweler’s circle.  I read the fine print about choosing like quality, etc.  It is worth asking about though! 

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