Post # 1
I wanted to see if anyone had any advice. I don’t own a home or rent a place. But I need to get my engagement ring insured because if anything ever happens to it, I couldn’t afford to replace it.
Do you have any companys you would recommend that do only jewelry/ring insurance?
I did a google of possible options – I just don’t know if any of them are any good?
Thanks In Advance
Post # 2
I have this insurance policy, and have been happy with it.
Post # 3
My husband is an insurance agent and I STILL chose to go through Jeweler’s Mutual/A Perfect Circle. They are very affordable and the coverage is much better than with a home insurance rider.
Post # 5
Ohh, good thought. Our homeowners insurance is paid through escrow by my bank so I’m not sure I can alter it (haven’t checked). Just got a quote on Perfect Circle, super affordable!
Post # 6
Perfect Circle. I’m an insurance agent, myself. In the event of a claim, it won’t affect your homeowners like a rider would. And its cheaper!
Post # 7
What do all these ring insurance policies cover? I think my insurance will only take a free rider if it’s a case of theft. But what if something happens like it falls off or I leave it on the nightstand in a hotel (I rarely take the thing off so I doubt that’ll happen)?
Does their insurance cover non criminal loss?
Post # 8
Perfect Circle covers everything. Loss, theft, mysterious disappearance, damage….
Post # 9
wow thank you all so much! I’m going to get a quote ASAP.
@justwondering2015: I also think about it slipping off and going down the garbage disposal while doing dishes, falling down into a vent in the car (happened to a friend!), or the dog eating it. How would that happen?? Idk lol but sometimes it’s the craziest things!