Weddingbee Blog

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).

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

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.

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.

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!

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

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.

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

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.

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.