(Closed) Ring Appraisal

posted 9 years ago in Rings
  • poll: How should I place insurance on my ring?
    Should I get a rider with my parents homeowner's insurance company (if they let me)? : (4 votes)
    25 %
    Or should I go through a company that only does Jewelry Insurance? : (6 votes)
    38 %
    Or see if my car insurance co will cover it, so I can pay for both on one bill? : (5 votes)
    31 %
    Or do you have a 4th sugestion that I have not learned just yet??? Please comment. : (1 votes)
    6 %
  • Post # 3
    754 posts
    Busy bee
    • Wedding: May 2008

    I found it very easy to add a rider to my renter’s insurance.  It was really quite easy!

    Post # 4
    2004 posts
    Buzzing bee
    • Wedding: November 2008

    Hi Bianca,

    Whether you can get a rider on your renter’s insurance depends on the value of the ring. My renter’s insurance jewelry/personal articles clause covers only pieces worth less than $1,200. From looking at your ring (which is beautiful!) I suspect it is worth more than that, so you will probably have to get it its own policy.

    You can probably go through the same company that does your renter’s insurance. Find out ahead of time what replacement circumstances are covered. Mine covers loss, theft, abject stupidity :). Thankfully I’ve never had to make a claim, but you can ask about the process when you get your policy too. It shouldn’t cost too much (mine is about $100 a year for a ring worth several thousand dollars) so I just made one payment a year and am done with it. Good luck!

    Post # 5
    365 posts
    Helper bee
    • Wedding: April 2009

    Here’s how my ring is insured:  I use the same company for my car & renter’s insurance.  Additionally, I have a "valuable personal property" policy to cover my jewelry in general but it covers up to $2000 (i think).  Since my e-ring is more expensive than that, I had to get a rider policy specifically for my ring.  My insurance required i have that general jewelry policy first before I could get the policy on my ring, but my suggestion would be to call your insurance company and find out the specifics of how THEY do it since insurance companies can differ on this.

    Post # 7
    2022 posts
    Buzzing bee

    I got an endorsement to my renter’s insurance – my Fiance got an appraisal of my ring from the place he purchased it and I just faxed my insurance company the appraisal.  I think there is a 500 deductible if I make a claim on it, but it insured to the full value of my ring.  DEFINITELY worth it.  I think the insurance on it is less than 100 a year.

    The topic ‘Ring Appraisal’ is closed to new replies.

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