(Closed) i feel so much better that i got my ring appraised today and got insurance

posted 8 years ago in Rings
Post # 3
Member
229 posts
Helper bee
  • Wedding: August 2010

Yes!!  It made me feel better, too.  🙂

Post # 4
Member
294 posts
Helper bee
  • Wedding: May 2010

I have had it appraised but have not gotten the insurance! The ring however appraised for way more than double!

Post # 6
Member
1135 posts
Bumble bee
  • Wedding: June 2010

I haven’t gotten my ring appraised, I bought a blanket coverage that covers any jewelry up to the limit (which I got at like $500 more than what my Fiance paid for the ring). Made me feel a lot better to have the insurance. I was so worried I was going to damage it more than loose it. I’m a huge klutz.

Post # 8
Member
174 posts
Blushing bee
  • Wedding: June 2010

My e-ring came with an appraisal that was higher than the amount that Fiance.  We definitely got ring insurance because I’m absent-minded at times and I want to wear my e-ring everywhere everyday.  Considering how much and how long my Fiance saved to buy the e-ring, I can’t imagine what it would be like if I lost it. For me, a small amount of money for a peace of mind is worth it.

Post # 9
Member
31 posts
Newbee
  • Wedding: June 2011

I got my ring insured too, and I feel SO much better.  I am an uber klutz and very forgetful so the idea that my ring would crumble after slamming my hand in the door, or i would lose it somewhere is not too far off.  And yes, I also noticed that my ring appraised for a lot more than what my Fiance paid for it.  Incidentally, I dreamed that I lost a stone out of my ring last night, and in my dream I said, “well thank goodness I bought that insurance policy” LoL!

Post # 10
Member
11325 posts
Sugar Beekeeper
  • Wedding: February 2011

I got mine insured the week after I got it. It is from blue nile and came with an appraisal so it was easy as pie 🙂

Post # 11
Member
382 posts
Helper bee
  • Wedding: January 2011

Our jeweler sent the appraisal papers with the ring so we were able to send the paperwork off right away after we got engaged. Getting my ring insured was the first thing we did after we called everyone with our big news 🙂 Definitely worth the extra $10 a month (or so) — we have all our insurance through USAA, and they were able to just add it on to our plan. Definitely gave Fiance & I peace of mind to know if anything were to ever happen, we’d be covered!

Post # 12
Member
806 posts
Busy bee
  • Wedding: August 2010

Mine is insured, it only costs about $40 a year.  It is an add-on to our renter’s insurance.  I like the peace of mind that if the stone fell out, or I dropped it down a drain, or if I chipped the stone, it would just be taken care of.

Post # 13
Member
605 posts
Busy bee
  • Wedding: July 2010

I added my e-ring to homeowner’s policy. Fiance thought it was unnecessary, at a cost of about $90/year. I decided the peace-of-mind is well worth the insurance pricetag and went ahead anyway. Losing it or having it stolen would be bad enough without being unable to replace it without hardship.

Post # 14
Member
294 posts
Helper bee

Fiance had the ring insured before he gave it to me.  It’s added on as a rider to our renter’s insurance.  It’s expensive, but well worth the price.  You never know what can happen, so it’s better to be safe.

Post # 15
Member
15 posts
Newbee
  • Wedding: April 2012

I don’t have insurance on mine since he had it custom made with a small jeweler.  We tried to add it to our homeowner’s insurance and the state of FL no longer allows you to do so.  Any suggestions as to where I can try to insure it?

Post # 16
Member
1684 posts
Bumble bee
  • Wedding: February 2010

I asked him not to even give it to me/propose until that sucker was insured. I’m a klutz. It’s on our renters insurance too. We’re looking to buy a co-op/condo so when we move it’ll go on our homeowners insurance.

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