(Closed) How much does your ring insurance cost?

posted 9 years ago in Rings
Post # 17
246 posts
Helper bee
  • Wedding: June 2013

$89/year for just my ering with Perfect Circle. 

They offer a small discount if you own a safe or if your diamonds have a Gemprint Report.

Post # 18
7 posts
  • Wedding: July 2013

i added my ring to my homeowner’s insurance policy and it’s $32 a year.

Post # 19
118 posts
Blushing bee
  • Wedding: August 2012

My e-ring was $150 for an entire year

Post # 20
1128 posts
Bumble bee
  • Wedding: November 2011

My ring is insured through our renters insurance.

Post # 21
786 posts
Busy bee
  • Wedding: December 2014

I think were paying 240-250/year for my ering. Our wedding bands will probably add an extra 40.00/year.

Post # 22
14 posts
  • Wedding: November 2012

My e-ring insurance is a little over $200/year w/ Jeweler’s Mutual.  My wedding band just came in, so will have to add that to my insurance ASAP, and hoping it won’t be more than another $40/year.  

Post # 23
1769 posts
Buzzing bee
  • Wedding: June 2014

My e-ring (which is pretty modest) insurance, through Jeweler’s Mutal was $37 for the year (but I live in a super safe area, so maybe that makes a difference?)

Post # 24
368 posts
Helper bee
  • Wedding: June 2013

$70/year with my homeowner’s insurance.

Post # 25
9948 posts
Buzzing Beekeeper
  • Wedding: December 2012

We did ours thru Mr TTR’s home owner’s policy… as a rider.  Believe he said it was $ 225 per year (basically the same amount that an independent Jewellery Insurance policy wanted… and we too are covered for anything and everything at replacement value).  Certainly gives us an element towards peace of mind.


Post # 26
127 posts
Blushing bee
  • Wedding: May 2013

Just me e-ring is insured right now and it’s $37 per year through Perfect Circle. I think that’s quite reasonable and the ring is safe worldwide which is awesome!

Post # 27
4712 posts
Honey bee
  • Wedding: January 1998

@Swizzle:  I think it really depends on where you live and the value you have on your rings. I have $15000 coverage on my set. I had them add on tax to my appraisal (alot dont think about the tax being added on in Canada) so if something happens to them I can go and purchase a new set and not have to worry about paying the tax seperately.

Post # 28
716 posts
Busy bee
  • Wedding: March 2014

View original reply
@GelaMac:  40 per month… Ie 480 a year??? That seems really high!

For my diamind on a plain band (haven’t insured thefella setting yet as it’s still being made) its about $120 a year (appraised value is approx 14K)

Post # 29
3075 posts
Sugar bee
  • Wedding: October 2012

It’s $25/year for my engagement ring.  We haven’t insured my wedding band yet because it’s at my dad’s house until we get married.


Post # 30
11735 posts
Sugar Beekeeper
  • Wedding: November 1999

We paid $200/year for mine which I thought was a steal! Shop around – check out jeweler’s mutual to see if the rate is any better than your homeowners insurnace!

Post # 31
1245 posts
Bumble bee
  • Wedding: June 2011

For my engagement ring, two wedding band’s and Dh’s wedding band, it’s $80/yr with Perfect Circle (Jewelers Mutual).

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