(Closed) e-ring insurance

posted 7 years ago in Rings
Post # 3
18643 posts
Honey Beekeeper
  • Wedding: June 2009

I have a rider on top of our normal insurance policy for jewelry.  It only covers loss and damage, not normal maintenance.

Post # 4
8738 posts
Bumble Beekeeper
  • Wedding: September 2011

We added a rider to our renter’s insurance.

My renter’s insurance only covered theft/loss of up to $5,000.

We got an independent appraisal of the ring to find out replacement value and then insured it for that.

We pay $100 per $10,000 worth of coverage a year.

The policy pays out in case of loss, theft, damage, or “mysterious disappearance”.


Do not procrastinate on this, insurance was one of the first things Fiance did after the proposal (not the most romantic, but very important and practical).

Post # 5
629 posts
Busy bee
  • Wedding: October 2011

My fiance did the same thing…he added it to our homeowners insurance policy because he’s pretty sure I’m going to lose it or drop it in the garbage disposal while cooking or something…  🙂

Post # 6
6998 posts
Busy Beekeeper
  • Wedding: February 2011

we went through USAA – which is who we bank with as well as have out car insurance though – you can usually just get it added on forever you have car/renters or home insurance though – ours is like 6 bucks a month for the ring itself.

Post # 8
18643 posts
Honey Beekeeper
  • Wedding: June 2009

@Mrs. Moonbaby: I believe it covers the jewelry when it is with you, just like sometimes renters/homeowners insurance covers theft of items from your car.

I’m not sure from your response but do you have renter’s insurance?  If not, you need if for your other items.  If the building you live in caught on fire, none of your personal items would be covered by the insurance policy held by the owner.

Post # 10
101 posts
Blushing bee
  • Wedding: July 2010

We use Jewelers Mutual, an online jewelry insurance company. It’s been referred to by bluenile and other sites, as well. When I got my e-ring, I just had to send in an appraisal and they opened up a policy for me. I had looked into getting a rider policy with my homeowner’s insurance, but they didn’t have such a thing — they offered something slightly different, but I didn’t want to just use them if it wasn’t specifically for jewelry — I wanted all my bases covered! I haven’t had to file any claims or anything (thank goodness!) but so far, they’re easy to work with. I had no problem adding our wedding bands after we got married. =)

Post # 11
654 posts
Busy bee
  • Wedding: October 2011

@Moffy:We went with the same place.  When I tried to add it to my condo insurance, it was waaaaaay to expensive.  Like more than my condo insurance.  Jeweler’s Mutual wasn’t exactly cheap but i feel better that it’s insured.

Post # 12
111 posts
Blushing bee
  • Wedding: August 2011

jewelers mutual here too.  I think their replacement policies are supposed to be better than if you go through homeowners…like they will let you make sure you get a stone that is of the same quality you had previously (which is why you need to make sure to have a thorough appraisal done), and you can work with your own jeweler.

Post # 13
365 posts
Helper bee


We did the same thing with USAA.  Very inexpensive.  I didn’t care about the insurance before, but now I have a nicer ring and I’m glad we have it!

Post # 14
3148 posts
Sugar bee
  • Wedding: February 2010

in addition to what the ladies said above:

my e-ring came from an antique store, so we had to get it appraised before the insurance company would insure it. it cost $75 and took 2 weeks. oh, and the store where I got it appraised would not do it until I had the ring for longer than 1 year! that might be pretty common, not sure.

my wedding ring was brand new, so for that one, all I had to do was give them a copy of the receipt.

Post # 15
57 posts
Worker bee
  • Wedding: October 2010

My hubs (then BF!) had it insured before he left the store. He just added a personal property policy to his state farm account.

My diamond already fell out of it’s temporary setting about a month after we got engaged! It was nice to know it was insured as we were looked for it. Luckily we found it! AHHH!

Post # 16
4355 posts
Honey bee
  • Wedding: June 2013

We got mine insured as part of our home insurance the first business day after he proposed, it’s actually a general jewelry coverage plan so it covers all of our stuff (his band, any necklaces, earings etc…) up to $50, 000 to theft, loss and “mysterious disappearance”. We pay about $12 a month for the 50K coverage.

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