Post # 1
How many bees actually have it? I have it, not that my rings are terribly expensive. I figure it they get lost/stolen my heart will be broken because of senimental loss…why add having to purchase new rings to the heartache? Also, what does your plan cover?
Post # 2
sentimental* Idk why the edit button isnt there…weird
Post # 3
Mine aren’t insured on their own, but my renter’s insurance company attached a rider to my policy several years ago that covers all my jewelry (I have a Rolex watch that is worth more than almost all my other jewelry combine) and my laptop computer. Everything’s covered under that even if something happens outside the apartment.
Post # 4
I purchased ring insurance from Perfect Circle because while like you, I would be devastated if I lost my ring, I wouldn’t want the added heartbreak of having to buy a new one out of pocket.
It allegedly covers everything, including mysterious disappearance.
Post # 5
msformaldehyde: I’m not sure exactly what my ring’s insurance covers, but I assume theft and loss? My FI is so sweet/responsible that she made sure to get insurance, certificates, ring cleaner, and a ring dish for my proposal. I’m a little accident prone, so I really appreciated the gesture lol. I hope that nothing ever happens to my ring, but it’s comforting to know that we have some protection just in case 🙂
Post # 6
My daughter’s have them – they’re an addition to their homeowner’s policy. I never did, because my grandmother gave hubby her .25 carat ring, to give me. (We were poor college students, at the time).
Post # 7
My engagement ring is but I haven’t had my wedding band appraised yet to add it to the policy (diamonds were a gift from my mother and DH didn’t get it appraised when it was made!) I need to do that ASAP!
Post # 8
I have Jewelers Mutual too, they do seem to cover everything. I like that they have zero deductible and they cover repairs. My ring has alot of pave so I need that lol
Post # 9
Mine are insured. My ring under a separate jewelry policy (personal articles floater), and my wedding band under our Homeowner’s policy. Our HO policy wouldn’t cover replacement value for the ERing part of my set, which is why we got a separate policy. But my wedding band wasn’t as expensive.
Post # 10
Jeweler’s Mutual all the way. We checked out adding a rider to our renter’s insurance but it was very restrictive, didn’t cover much, and was only a little less expensive.
I have heard too many stories about loss/theft of rings and then subsequent disappointment in the skimpy nature of default home owner’s/renter’s insurance to not have a specific policy.
Post # 11
I added mine to our home owner’s insurance. I had to have them appraised since they are over $5k and on a separate rider or whatever it’s called.
Post # 12
Absolutely! We have all of our expensive items (jewlery, clothing, watches, ect..) covered under our homeowners insurance. It’s so inepensive and everything is covered!
Post # 13
- Wedding: March 2014 - A castle!
msformaldehyde: Mine are insured through Jeweler’s Mutual. The annual premium is like $30/year and it covers everything – lost, stolen, chipped center stone, missing stones, etc. For something so sentimental and expensive there’s no reason not to have it. A lot of people add it on to their home owner’s or renter’s insurance – I went with a separate 3rd party company because I heard good things about them on the boards here. I’ve never had to file a claim (knock on wood) so I can’t really testify to the level of their customer service.
Post # 14
msformaldehyde: Before I answer the post: I think you mentioned that you FI is in the military in a previous post. Check with USAA as they offer premiums that are half of what Jeweler’s Mutual is which comparable coverage and benefits. My appraiser said they are the best in the biz and recommends that all eligible people go there first for insurance.
I think it all depend on the couple and finances. I do not have insurance but am looking at policies. The problem we are running into is that the premiums are pretty high for my ring. FI feels that they likelyhood of me losing my ring, having it stolen, or damaging it is very low so he doesn’t see any value in paying huge amounts in premiums. If something did happen he would just bite the bullet and put up the money to buy me a replacement.
As I said to each their own.
I think you mentioned that you FI is in the military in a previous post. Check with USAA as they offer premiums that are half of what Jeweler’s Mutual is which comparable coverage and benefits.
Post # 15
msformaldehyde: I’m pretty lucky and my ring is actually double covered. FIs parents have a pretty extensive jewelry insurance policy because they have many beautiful pieces from watches to wedding jewelry and more. So they got mine and FSILs engagement rings covered under their policy but it is very strict! but covers everything. I have to get my prongs inspected every 6 months! but it’s well worth it. We also have renters insurance. my ring is also covered under that policy but only if its damaged in the apartment like fire or something extreme like that.
either way I know Im covered which is nice because im a complete cluts!!