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Ring Insurance Advice
Posted on 7/7/11 at 10:44 am
Posted on 7/7/11 at 10:44 am
Can anyone advise me on engagement ring insurance? My renters policy will only cover to a certain amount. What options exist and what should I expect to pay in premium relative to appraised value.
7
Posted on 7/7/11 at 10:46 am to Day Man
in before "don't do it"
Posted on 7/7/11 at 10:52 am to Day Man
I literally cannot imagine that engagement ring insurance would be a good deal for you. I would stay away unless you had a solid reason to believe there's a significant chance she's going to lose/damage it, like if she has a history of losing jewelry before. Anyway you're already at least partially covered by the renter's insurance. Why can't you just jack up the limits on it if you're worried about the ring?
Also, congratulations!
Also, congratulations!
Posted on 7/7/11 at 11:11 am to Day Man
Shouldn't that be her responsibility? An engagement ring is basically a gift. The only way you will ever get it back as your property is if you don't get married. Once you are married it is hers. If you divorce it is hers. In short, it is her asset, make her insure it. If she loses it, that is NYP.*
*In an ideal world. In reality, she will bother you to replace it.
*In an ideal world. In reality, she will bother you to replace it.
Posted on 7/7/11 at 11:34 am to Day Man
Jeweler's Mutual is a solid company. We have a number of items with them, have had one claim and no issues. Zero deductible in Louisiana runs about $1 per hundred insured...
Posted on 7/7/11 at 11:39 am to Day Man
Jeweler's Mutual
Posted on 7/7/11 at 3:52 pm to Day Man
I did it through my renter's insurance. I believe it's like an extra $150-$200 a year. I'm insured for about $10,200. I considered purposely "losing" it as that's more than I paid. 
This post was edited on 7/7/11 at 3:52 pm
Posted on 7/8/11 at 10:07 am to Day Man
i have a personal articles policy through state farm
6000 in coverage for like 5 or 6 bucks per month added to my bill
my stepmom had the same policy on the appraised value of her ring, which was about double what they paid for it
she lost the diamond out of the ring and was able to upsize because of the pay out
*hint hint
6000 in coverage for like 5 or 6 bucks per month added to my bill
my stepmom had the same policy on the appraised value of her ring, which was about double what they paid for it
she lost the diamond out of the ring and was able to upsize because of the pay out
*hint hint
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