(Closed) Ring Insurance

posted 9 years ago in Rings
Post # 3
Member
458 posts
Helper bee
  • Wedding: October 2010

Most property and casualty insurance companies offer “floaters,” which you can use to insure your personal articles.  You would use this type of insurance to insure only your ring (or other valuable items.)  I know both Travelers and State Farm offer floater policies.

Post # 4
Member
153 posts
Blushing bee

There’s a thread about it here:  http://boards.weddingbee.com/topic/ring-insurance-do-you-have-it.  I feel like Miss Mary Jane also had some posts about it, but I can’t be too sure…

I have Chubb and my sister has Jeweler’s Mutual for just our rings.  I really like my policy.  Once I get the wedding bands, I’ll stick them onto the policy as well.

Some floaters do not cover the full cost of the engagement ring, so make sure you check if you go that route!

Post # 5
Member
1011 posts
Bumble bee

It might be cheaper to get a personal articles policy.  I have a homeowner’s, but it ended up being cheaper to get the personal aritlce policy (rather than get a ring policy through jeweler’s mutual or to get an addendum to my homeowner’s)–like just a ring policy, there’s no deductible.  Check with the company that does your car insurance for a second policy too.

Post # 6
Member
108 posts
Blushing bee
  • Wedding: May 2010

My fiance and I used State Farm. They offer other policies, but they also insure just rings.

Post # 7
Member
14186 posts
Honey Beekeeper
  • Wedding: June 2009

We used Jewelers Mutual. We didn’t want to add a “rider” to my house ($800 a year for rings? no thanks) and it was relatively inexpensive to insure all of our rings (just wedding rings, e-ring, etc, about $150 a year) and a jeweler I worked with recommended them highly, as his business was insured through them.

Post # 8
Member
33 posts
Newbee

I have my ring insured on State Farm’s personal articles policy

Post # 9
Member
1011 posts
Bumble bee

My Traveler’s personal articles policy was only $101.  I was debating between that and Jewlers Mutual, but decided it was cheaper for the rider & easier to just use one carrier.

Post # 10
Member
5498 posts
Bee Keeper
  • Wedding: September 2010

Where did you buy your ring? We bought insurance with mine that covers everything. If a diamond falls out, needs re-dipped, stuff like that. I think it was only an extra 5o dollars with the cost of the ring. I’d check with your jeweler. = ) State farm is also a good choice!

Post # 11
Member
1023 posts
Bumble bee
  • Wedding: June 2010

Mine is also insured through Jewelers Mutual. I believe its about 1 dollar for every 100 dollars of the appraisal amount for the year.

Post # 12
Member
468 posts
Helper bee

I’m in a similar situation. I rent a townhouse so my Fiance insured my ring through Jeweler’s Mutual. He said it was super easy to do and that were really easy to work with.

Good luck !

Post # 13
Member
2342 posts
Buzzing bee
  • Wedding: May 2010

I got my ring insured right after the engagement.  The diamond was his mothers.  So if I lose the ring, I have no ring and the Mother-In-Law will hate me.  I went through my homeowners company, but couldnt get it in the policy because it only covers up to 10k.  So I had to get a seperate personal articles policy.  The company I used was Travelers.

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

Find Amazing Vendors