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Open Question: Ring Insurance

November 2nd, 2006 @ 12:41 pm by Open Question

After you got engaged, how soon did you insure your ring, and was it through your own insurance policy or your parents? Or did you not even insure your ring at all??

I think I’m gonna have mine put under my parents’ house policy, but they are taking their time in finding out information about how to go about doing so. FI is kinda nervous cuz he says it’s “Like driving without insurance.” Tru dat, cuz I am wearing a nice car on my hand… eeks!Thanks so much!

Charlene

Tags: advice, insurance, rings |
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28 Responses to “Open Question: Ring Insurance”

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Miss Blueberry

Mr Blueberry got mine insured before he even gave it to me. Truthfully, I don’t know much about the policy, but if I had to guess I’d say it’s through his parents’ insurer, since we’re still students and renting (i.e. we don’t have much property insurance or anything).

 
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Miss Kiwi

Thanks for reminding me, Charlene! I’ve had my ring for 7 months now, and STILL haven’t insured it. We do have the appraisal, but nope, not insured yet. I’m thinking of going through Jeweler’s Mutual, though.

 
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Mrs. Bee

Mine isn’t insured at all. 8O. I know madness…

 
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D

I was paranoid about insuring my ring (especially since I take the NYC Subway to and from work). I insured mine at a separate jewelry insurance co. that I found online, http://www.jewelersmutual.com. From what I can remember you can fill out everything online, you just have to send them a recent appraisal (within the last 6 months, I think).

 
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Miss Bird of Paradise

i had mine insured with our renters insurance only b/c chubb wouldn’t insure it at the time because of katrina/rita. now, though they can write us a policy and we’ll be switching over. chubb has a cash out policy that most other places don’t.

 
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Jen

We got ours insured right away, and it’s a separate policy - specifically for jewelry.

 
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Nancy

It was insured before it was purchased, I think. Or at least before he went to pick it up. It was a custom job so there was a 6 week lag between him purchasing it and him having it. We have a rider on our renter’s insurance.

 
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OscarQ

I added it to our renters policy the next day. Actually I may have added it the day after that but I’m kind of a freak about these things.

 
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ava

My fiance insured mine right when he bought it. He added it to his house and car insurance. I didn’t think about it until months after and was surprised that he had already taken care of it!

 
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Miss Butterfly

mine is under our renter’s insurance policy through fiance’s work.

 
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rain

we’re getting a separate policy, homeowners insurance only covers up to a certain amount on a small percent of what the ring is worth, and it doesnt matter the value of the ring

 
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Miss Raspberry

We got mine right away. It is a rider on our renter’s insurance and is about 175 a year - which is discounted because we have car, life and renter’s insurance all through state farm…

 
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LK

I got mine insured within the week since we were going on vacation soon after we got engaged. I have my policy at Jeweler’s Mutual, they do not have a cash option, they replace the jewelry with a jeweler of your choice at the appraisal price. They also don’t offer an inflation clause, so if you lose your ring in 5 years you might not get the same quality/size. I plan to get an appraisal every few years. I filled out my application online as well, faxed it in and got my policy in the mail i think two weeks after.

 
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Nicole

FI got mine insured before he even gave it to me. Its on my parents homeowners insurance since I’m living with them until my FI & I find a place.

 
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Karen

My fiance insured the engagement ring right after he proposed. I believe we pay a monthly fee. We are with Chubb Insurance.

 
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Samantha

In an nutshell, it is YOUR ring, so YOU should insure it.

I did it the very next business day. It’s on my Home Owners insurance. I faxed the appraisal, filled out the paperwork and I pay a yearly fee. It’s like Renters Insurance for those that have own a house.

I’m with Nationwide.

 
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SJ

It’s a good idea to get it insured under a separate policy. Most insurance companies offer one for high valued items (jewlrey, paintings, musical instruments, etc). It’s usually called a personal articles policy and the cost depends on how much your ring is appraised for. Mine is under State Farm and costs me about $200 a year. Your ring will be insured the day you call - so it gives me piece of mind.

I think, personally, it’s better to have it separately insured from your homeowners policy if your ring is of high monetary value. :)

 
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mrs dragonfly

My husband insured it within a month of purchase of the ring. Make sure you take a picture of your ring also, so if something were to happen to the ring, your insurance company would know what the ring looks like

 
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Mary

PLEASE INSURE YOUR RINGS
I was robbed the Wednesday morning before my wedding. My wedding band was stolen, but thankfully the engagement ring was on my finger. I live in a great suburb of Dallas, mind you, and I just never thought something like that would happen to me. They actually broke into my apartment while my fiance was driving me to the airport to get to the wedding!

Thankfully, I had renters insurance that I bought the DAY after he proposed. BUT, I was SHOCKED to learn that it would not have covered my engagement ring, and it did not cover my wedding ring! The idiot who signed me up for the plan over the phone made a major mistake, because esentially ALL I wanted was ring insurance. Apparently you need a rider if you have renters insurance. Needless to say, I have one now, but my fiance had to pay for a whole new wedding band.

 
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K

I won’t be insuring mine, as I don’t plan on mine costing all that much. I don’t even know if I want REAL rubies in my engagement ring, as I’d feel paranoid. As long as it sparkles, I’m alright. :)

So yeah, no insurance really necessary.

 
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