(Closed) Did you insure your moissanite ring?

posted 4 years ago in Rings
Post # 2
Member
3076 posts
Sugar bee
  • Wedding: October 2017

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lunarfairy :  I don’t have a moissanite but I chose not to insure my  ring. My ring was expensive. But it’s not a one of a kind heirloom or a $1 million ring that we couldn’t replace if something happened.

Post # 3
Member
103 posts
Blushing bee

I have 2 mossianite rings one I’ve had 10 years and the other 2.  Neither are insured.  I get them checked religiously by a jeweler every 6 months.  If something does happen to them, it would be cheaper to replace than to pay insurance on them.

Post # 4
Member
1067 posts
Bumble bee

No mine isn’t insured. Just because if something were to happen to it we could buy another. If it were a diamond than I’d definitely insure it though! It wouldn’t hurt to contact somewhere like jewelers mutual and see what kind of coverage you can get and how much it costs monthly. If it’s a reasonable price than why not! 

Post # 5
Member
3058 posts
Sugar bee
  • Wedding: November 2017

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lunarfairy :  I would still insure it. Even though the stone is cheap compared to the same size diamond,  the metal setting itself may be quite pricey. There are those who have their diamond sim in a $1500 (or more) setting… for most people, that’s not pocket change…

Post # 6
Member
540 posts
Busy bee

Nope. No insurance for me

Post # 7
Member
636 posts
Busy bee

I insure all my jewelry, diamond, moissy, or otherwise, under my home insurance. What’s the difference between that and insurance specifically for jewelry? 

Post # 8
Member
828 posts
Busy bee

I don’t get the “we can afford to replace it” argument. I pay about $110 a year through Jewlers Mutual for my diamond engagement ring, wedding band, and diamond studs. That’s less than $10 a month in insurance. 

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