(Closed) Did you get insurance coverage on your rings other than what's included HOI?

posted 4 years ago in Rings
Post # 2
709 posts
Busy bee
  • Wedding: April 2015

We have usaa too and got additional coverage. I have no idea what we are paying for it, but I don’t think its too $$. 

Post # 3
46670 posts
Honey Beekeeper
  • Wedding: November 1999

buggy09:  Most homeowner’s policies also have a very low limit on jewelry, even if it is stolen or lost at home. You need to get a rider for extra jewelry insurance.

Post # 4
2394 posts
Buzzing bee

buggy09:  Yes, we went through Jewelers Mutual and had a great experience. It’s super cheap, covers loss of stones, theft and “mysterious disappearance.” 

Post # 5
11422 posts
Sugar Beekeeper
  • Wedding: May 2009

Our rings have separate coverage.  As julies1949:  noted, most (if not all) homeowner’s policies will not cover expensive jewelry, and everything over a certain amount (say $1,000) requires a rider or separate policy.

Post # 6
180 posts
Blushing bee

Are there other companies than JM that Insure jewlery separately? My BFF had a terrible Experience with them. 

Post # 7
8692 posts
Bumble Beekeeper
  • Wedding: August 2012

My home owner’s insurance needed a copy of the appraisal for any piece of jewelry over $5k.

Post # 8
18637 posts
Honey Beekeeper
  • Wedding: June 2009

We have USAA too and added a Valuable Property rider onto our account.  I had a friend who had her home broken into and found out how little regular homeowner’s insurance covers jewelry.

Post # 9
576 posts
Busy bee
  • Wedding: May 2000

Yes, we have a personal articles policy to cover all of my jewelry over $500, my fur, my husband’s watches, and his camera equipment.

Post # 11
589 posts
Busy bee
  • Wedding: July 2014

We had USAA originally, but i wasnt too thrilled with how they described they would handle loss with my e ring (diamond/band).  They were saying they would replace it with like blah blah wouln’t straight answer me if i could use jeweler of my choosing etc.  We ended up going with Perfect Circle (jewelers mutual).  It is about 20k coverage between all our rings and it is 120 a year i believe. We still have our renters, car ins etc through USAA.

Post # 12
5379 posts
Bee Keeper
  • Wedding: May 2016

We also have perfect circle. We are in college and still renting so we don’t have a homeowners policy to add it to. 

Post # 13
2425 posts
Buzzing bee
  • Wedding: November 2012

We have Jewelers Mutual Insurance on my ring. 

Post # 14
22 posts

All of our insurance is through USAA- they are the best! Anyway, homeowners only covers a relativy small amount of your belongings insode the house. we purchased a sep policy on my ring so it will be covered no matter where the loss occurs, etc. My original in a different setting was appraised, but I just had it reappraised last August after having it reset in a WG baguette setting with bigger and cleaner diamonds. We are paying $800 per year for $56,000. If you haven’t had your diamond appraised within the last 3 years or so, you may want to have it done, as diamond values have gone up considerably.

Post # 15
22 posts

Also, with my policy, the diamond will be replaced if damaged, chipped, scratched, etc. also covers theft, loss, etc.

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