Post # 1
Hey guys, I was just wondering how many bees insure their rings? Also, did you buy a jewelry policy, or did you add it to some other existing insurace? If you don’t mind sharing, how much is your yearly premium? I just bought insurance today, and want to make sure its worth it, and what I’m paying for is fair. Thanks!
Post # 3
Haven’t yet, but planning on it through Jewelers Mutual.
Post # 4
So far my engagement ring is insured and I’m sure we will insure the bands as well.
Post # 5
I haven’t yet, but I will be adding it as a rider on my renter’s insurance policy. Just have to get them appraised first!
Post # 6
I think our yearly premium is about $40 for full coverage on me e-ring. Didn’t both insuring the wedding band as it wasn’t nearly as expensive
Post # 7
My e-ring is insured through Jewelers Mutual, and we will insure the wedding bands too. This was a good reminder to start that process!
ETA: My e-ring insurance is about $45 per year. This varies by the value of the ring (obviously) and where you live. When I lived in Brooklyn, it cost twice as much to insure.
Post # 8
My ring is insured through our homeowners insurance.
Post # 9
Yes, it was attached to our house insurance. I’m covered for everything, so if i am on a plane and i fall out and die, Fiance can get life insurance and the cost to replace my ring ahaha.
Post # 10
I haven’t yet, but I really have to get on it. I did the research and got the appraisal, I just haven’t made the final step yet. Fiance keeps reminding me about it (which is odd since he always forgets everything) because we live in NYC and he has a friend who lives in our neighborhood who’s home was broken into and their engagement ring stolen (along with other random things). Rather safe than sorry.
Post # 11
@Swizzle, that is too funny!
Engagement Ring only. My wedding ring is a thin plain white gold band that cost maybe $300, so it wouldn’t be worth it.
Post # 12
Only my engagement ring is insured on my homeowners. My wedding band was just a little over 1k, so we didnt bother to add that on.
Post # 13
All we have is the insurance policy if a diamond falls out or something with the jewlery store. It doesn’t cover if I lose it.
Post # 14
Not yet. We have the noble intention of putting it on our renter’s insurance…when we get renter’s insurance.
Post # 15
We added my engagement ring to our homeowner’s insurance right after I said yes! We will probably add our wedding rings, though mine only cost $150. FI’s was more expensive, and he may very well lose it at some point.
Post # 16
Both of my rings are insured through the jewerly stored we bought them at, thank god because I have already had to fix my ring 4 times.