(Closed) Wedding Ring Appraisal Question!

posted 7 years ago in Rings
Post # 3
Member
5657 posts
Bee Keeper
  • Wedding: February 2012

I wouldn’t typically insure something worth less than 1k, but if you want to insure it, nothing is stopping you.

Post # 4
Hostess
18643 posts
Honey Beekeeper
  • Wedding: June 2009

We didn’t have to appraise our rings to get them insured.  We just got a valuable property rider on our homeowners insurance for a certain amount.  Just keep the receipts for any ring covered by the plan.

Post # 5
Member
8738 posts
Bumble Beekeeper
  • Wedding: September 2011

Check your renter’s/homeowners insurance. Most cover jewelry loss up to $1k or $5k depending on the plan. You only need a separate insurance rider if you want more coverage than that.

Post # 6
Member
4803 posts
Honey bee
  • Wedding: August 2012

Depending on your home insurance, you might or might not need to get it appraised.  For example, mine takes the value from my ring appraisal and insures it for that value exactly.  It’s up to me to update the appraisal every once in a while to make sure it’s insured for the correct amount.  My mom just added an extra allowance (rider?) to hers.  She pays a flat fee and gets up to $7000 covered.  It just depends on the company I think.

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