(Closed) Need advice on insuring my wedding band

posted 7 years ago in Rings
Post # 3
4546 posts
Honey bee
  • Wedding: September 2010

An apprasial will typically add a little padding over what you paid for it in case the price of gold/diamonds fluctuates. You can get different kinds of coverage. Some companies will write you a check, others will allow you to get a reasonable replacement, and some let you choose. The best way to do it is to figure out what you’re comfortable with and then start calling companies. We have my rings insured with our home owners and car insurance.

Post # 4
39 posts
  • Wedding: September 2011

take it to a gemologist first.  they will give you the replacement cost.  your insurance co. will ask for the gemologist report and insure it by that.  my husband got me a 5ct eternity ring, and the replacement value was 3 times what my husband paid for it.  the insurance is not expensive at all.    

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