(Closed) Protecting your Ring

posted 6 years ago in Rings
Post # 3
Member
3314 posts
Sugar bee
  • Wedding: October 2010

I had mine insured because it includes free re-dipping 2x’s a year plus some other things.  It was worth it to me to get and it’s for the lifetime of my ring!  We bought my ring through Zales and got our insurance through them as well so for us, it was a very easy process.

Post # 4
Member
602 posts
Busy bee
  • Wedding: March 2012

Ask yourself this question- if your ring gets lost or stolen can you easily afford to replace it without hardship? If the answer is no you need insurance.  I have Jewlers Mutual and their process was really easy.

 

Post # 5
Member
319 posts
Helper bee
  • Wedding: May 2013

I have mine insured. I hope that we never have to use it but if it were lost or stolen there’s no way we could just pull that money out again

Post # 6
Member
2607 posts
Sugar bee
  • Wedding: September 2011

Our homeowner’s policy actually includes $10 000 worth of coverage on jewelry, which is  more than the average policy, and enough to cover both my rings, and DH’s, so we decided not to purchase an additional policy.

Post # 7
Member
1529 posts
Bumble bee
  • Wedding: December 2013

My Future Mother-In-Law is our insurance agent so, literally everything we own is insured. 

Post # 8
Member
7311 posts
Busy Beekeeper
  • Wedding: October 2011 - Bed & Breakfast

We had my rings appraised when Mr. LK purchased them, and then added them as a seperate policy through our insurance agent. Renters and homeowners insurance usually only cover $2500ish for jewelry (ALL of your jewelry combined), and that was definitelt not enough to cover my rings, let alone all of my other jewelry. So a seperate policy dedicated to my rings was a smart choice for us.

Post # 9
Member
3697 posts
Sugar bee
  • Wedding: May 2012

MrJ put his on his homeowners.  It was something like $300/yr, but since that’s only 1.5% of what it’s appraised for… seemed like a good idea.  Not that I lose rings or expect it to be damaged, but you never know.  We’d both be crushed if I lost it or it got stolen – nice to know we can get another one, even though it wouldn’t be the same.  Without the insurance we’d have to save up for a long while again.

Post # 10
Member
1866 posts
Buzzing bee

My FH got my e-ring insured almost immediately after we got engaged.  It’s appraised at over 40k so since it was such a substantial amount we knew we had to get insurance!  We currently have renter’s insurance for our apartment, so he called and had the e-ring insurance tacked on somehow – I don’t know the details as he handled it.

Post # 11
Member
5242 posts
Bee Keeper
  • Wedding: April 2013

My ring was appraised at the jeweller we bought it from and we got it insured right away under our home insurance. My fiance is very protective of my ring and wantedto make sure ti was insured right away!

Post # 12
Member
10453 posts
Sugar Beekeeper
  • Wedding: February 2014

I haven’t done it yet. Don’t know if I will… We could replacefit easily, it was under 5k and over a lifetime of paying insurance I don’t know how worth it it is.

Post # 13
Member
680 posts
Busy bee
  • Wedding: February 2012

I haven’t done it yet either, but I plan to. My ring isn’t break the bank expensive, but if I lost it or whatever I’d probably not be able to replace it right away. So it’s definitely something I’m going to be doing.

Post # 14
Member
955 posts
Busy bee
  • Wedding: November 2014

@MrsSBaugh:  Insuring a ring is essential! Many women lose their engagement rings soon after receiving them because of them being fitted improperly, etc. It’s not super expensive to have a ring insured, why not go for it and have the peace of mind? 😉

Post # 15
Member
955 posts
Busy bee
  • Wedding: November 2014

Oh, forgot to add that some jewelers automatically insure your e-ring, no additional cost, for one year. After that, of course, it’s up to you to insure it. Good luck!!

Post # 16
Member
1319 posts
Bumble bee
  • Wedding: January 2012

We insured it through our renter’s insurance. Our renter’s only insures $2,000 of jewelry, which would cover my e-ring, but that’s it. So it’s a rider on the renter’s, for something like $50 a year.

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