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Ring Insurance Advice
Posted by Day Man on 7/7/11 at 10:44 am00
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.
re: Ring Insurance AdvicePosted by The Hamburglar on 7/7/11 at 10:46 am to Day Man
in before "don't do it"
re: Ring Insurance AdvicePosted by Day Man on 7/7/11 at 10:47 am to The Hamburglar
to late I've already "done it", now I just to to protect it.
re: Ring Insurance AdvicePosted by Cold Cous Cous 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!
re: Ring Insurance AdvicePosted by BlackenedOut 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.
re: Ring Insurance AdvicePosted by TigerinATL on 7/7/11 at 11:15 am to Cold Cous Cous
quote:
I literally cannot imagine that engagement ring insurance would be a good deal for you.
I don't remember how much I'm paying, but I really don't think it was that much extra on my policy.
quote:
My renters policy will only cover to a certain amount.
Call your insurance company, you can get the ring listed separately on the policy so it's not underneath the $1000 - $2000 coverage you probably have for jewelry.
re: Ring Insurance AdvicePosted by mtcheral on 7/7/11 at 11:34 am to BlackenedOut
If you are married and she loses it and has to pay to replace, it's still coming out of your money. You aren't married are you?
re: Ring Insurance AdvicePosted by TheHiddenFlask on 7/7/11 at 11:50 am to Catman88
Sell the diamond
Replace with a CZ
Dont tell her
Profit
Replace with a CZ
Dont tell her
Profit
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re: Ring Insurance AdvicePosted by LSUGUMBO on 7/7/11 at 12:44 pm to TheHiddenFlask
I have my wife's ring insured for $10,000 (too much, but that's another story) and I think it runs me $100/year or so. I have no reason to believe she's going to lose it, but there are plenty of ways that you may need that coverage. I think it's well worth it for that little amount.
quote:
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...
yeah, they are solid. in my mind, the $250 i pay is well worth it.
re: Ring Insurance AdvicePosted by Day Man on 7/7/11 at 1:20 pm to BlackenedOut
quote:
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.*
This is retarded
re: Ring Insurance AdvicePosted by saderade on 7/7/11 at 1:33 pm to BlackenedOut
quote:My parents and her didn't like it when I brought this up. If she loses the ring, it isn't going to be my fault.
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.*
re: Ring Insurance AdvicePosted by ScottieP on 7/7/11 at 2:00 pm to BlackenedOut
quote:
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.*
So according to that logic I should drop my life insurance policy. Once I am dead the house and the bills are not my problem so frick her.
It's your money thus your investment... protect it.
BTW.. Jewelers Mutual is the way to go. Cheap and easy. Was actually cheaper than putting a rider on my homeowners.
re: Ring Insurance AdvicePosted by PlazaDeBurbanko on 7/7/11 at 2:03 pm to ScottieP
CAlled a "Personal Article Policy" cheap as shite to be honest. Maybe $30-100 for the entire year. A lot of times you will get the ring much cheaper than what the ring will appraise. So if it is every damaged or "stolen" you can make a claim and get the appraisal value. Your welcome!
quote:
My parents and her didn't like it when I brought this up. If she loses the ring, it isn't going to be my fault.
quote:
My parents and her didn't like it when I brought this up. If she loses the ring, it isn't going to be my fault.
It may not be your fault, but it will definitely be your problem. I pay about $3 a month for the insurance on my wife's ring, which is tacked on to our car insurance.
re: Ring Insurance AdvicePosted by lsunurse on 7/7/11 at 6:25 pm to BlackenedOut
quote:
Shouldn't that be her responsibility
I agree with this as well. Even though I'm not engaged yet, I already know to give my State Farm agent a call when I do get engaged and she will add ring as a separate policy to my renter's insurance.
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