(Closed) Is your ring insured? POLL

posted 6 years ago in Rings
  • poll: Is your engagement/wedding ring insured?



  • Post # 16
    589 posts
    Busy bee
    • Wedding: July 2014

    Mine is insured through perfect circle.  For my e ring, wedding band, husbands wedding band (bc it was expensive from tiffanys!) and his 2 rolex watches it only comes to 120 a year!  Super cheap for piece of mind!

    Post # 17
    285 posts
    Helper bee
    • Wedding: September 2014

    View original reply
    Elizabear:  That’s a fair point.  I have a desk job and really never have to take it off.  So I’ll blame it on my own carelessness if it gets lost and deal with it then.  I didn’t realize it could be as low as $5 a month though… Not bad at all!

    Post # 18
    1220 posts
    Bumble bee

    I think mine is covered through the homeowners insurance. I vaguely recall my Fiance telling me that it was free to add it to the policy since he already has a car and home insured with State Farm. I made him get it insured the day after he proposed because we wouldn’t be able to easily replace it if something happened.

    Post # 21
    782 posts
    Busy bee
    • Wedding: November 2003

    I do. My husband thinks it’s silly. But if I were to lose it, I know he wouldn’t want to spend the money to replace it with EXACTLY what I have. That’s why I have it. 

    Post # 22
    7426 posts
    Busy Beekeeper
    • Wedding: February 2013

    I don’t, and I wish I did! My ring was not inexpensive, and it should be covered. DH doesn’t want to get it, grrrrrrr!

    Post # 23
    311 posts
    Helper bee
    • Wedding: October 2016

    Definitely is. I’m extremely accident prone and very blonde. He made the smart decision to make it up!

    Post # 25
    4943 posts
    Honey bee
    • Wedding: July 2012


    View original reply
    Elizabear:  Yes, but not through homeowner’s insurance because it doesn’t cover as much/as well. It’s insured through Jeweler’s Mutual/A Perfect Circle. If something happened to it, we wouldn’t be able to spend the same amount of money to replace it.


    Post # 26
    360 posts
    Helper bee
    • Wedding: June 2015

    It’s a nominal amount for peace of mind! Perfect Circle Jewelers Mutual.

    Post # 27
    458 posts
    Helper bee
    • Wedding: May 2014

    Both of my rings and DH’s ring are insured. His was not overly expensive, but enough that it wouldn’t be pocket change to replace. Mine are too expensive to not insure. Nothing might ever happen to them, but I spoke with a woman right after we were engaged who said that I need to be careful because she wore her rings all the time and one day looked down to see that one of her prongs had come loose and her center stone was missing. She had no idea where it was and they had to completely replace it. If mine wasn’t insured and I lost it, I would probably be dealing with a much smaller stand-in for a few years before we would drop the kind of money it cost to buy my first stone.

    For what I pay every year, it would take me 100 years of payments to reach the true value of all 3 rings. That in and of itself is worth it, considering I will never reach that mark.

    Post # 28
    917 posts
    Busy bee
    • Wedding: May 2015 - Cathedral of the Immaculate Conception / Courtyard Marriott Legacy Ballroom

    Yes! Fiance insured my ering before he proposed. One of my close friends had her rings stolen and luckily had them insured, so she was able to replace them without a lot of fuss. I wanted to make sure we could do the same in case something ever happens to my ring. Plus, I’m prone to misplacing / losing things! Better to be safe than sorry

    Post # 29
    64 posts
    Worker bee
    • Wedding: July 2016

    What a great topic to think about. I took it for granted this would be included with my Homeowners Policy. Now I will have to double-check that! /bb16

    Post # 30
    279 posts
    Helper bee
    • Wedding: October 2015

    My insurance is closer to around $25/month through Jewelers Mutual Perfect Circle. It’s probably due to my location (Boston, MA) and the appraisal of my ring ~25k. Still, totally worth it. My ring is a family heirloom and while if I lost it, a brand new ring would never replace it, I would certainly never be able to afford anything remotely close to it without insurance.

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