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Started By
Message
Does anybody carry insurance on their watches or jewelry other then wedding ring
Posted on 6/11/23 at 4:04 pm
Posted on 6/11/23 at 4:04 pm
I have a few watches I think it would be smart to ensure and there are a couple pieces of jewelry other than wedding ring. Lots of things online to choose from not sure what is real and what is not.
Also have a kid who is getting a Rolex from a relative for birthday. Do not want them to lose it, break it, etc. but worry they may.
Can I get insurance and does it just carry over when they are 18. I don’t mind paying for it to be covered.
Also have a kid who is getting a Rolex from a relative for birthday. Do not want them to lose it, break it, etc. but worry they may.
Can I get insurance and does it just carry over when they are 18. I don’t mind paying for it to be covered.
13
Posted on 6/11/23 at 4:43 pm to Tvilletiger
Yes. It’s a valuable personal property policy (or rider, depending).
I got mine through USAA for a very reasonable price and just pay the monthly premium.
I got mine through USAA for a very reasonable price and just pay the monthly premium.
Posted on 6/11/23 at 6:11 pm to Tvilletiger
Insure the Rolex through Hodinkee. It’s backed by Chubb insurance which is the gold standard for jewelry.
Posted on 6/11/23 at 6:22 pm to Tvilletiger
Multiple policies out on this bad boy
Posted on 6/11/23 at 6:52 pm to Tvilletiger
Check Jewelers Mutual. You can work with jeweler of your choice. Rider policies tend to be like, kind, quality replacement - leaving you little room for your desired replacement. If it's a watch that's a 1 to 1, some things aren't that exact.
Posted on 6/11/23 at 6:55 pm to Contender54
quote:
through USAA
Same here. Have wife's rings, watches, and some other misc. safe items covered. It's been years, but I want to say it was only $10-20 a month extra.
Posted on 6/11/23 at 7:12 pm to Tvilletiger
Yes and I have filed a claim before and it was replaced without question. I have mine through State Farm.
I highly recommend for anyone with a substantial collection of expensive jewelry.
I highly recommend for anyone with a substantial collection of expensive jewelry.
Posted on 6/11/23 at 7:24 pm to Tvilletiger
Nope, but only because besides the wife’s wedding ring we don’t have anything valuable enough to insure. If I get the watch I’ve been looking at I’ll carry insurance on it but I’ve got plenty to pay off between now and then.
Posted on 6/11/23 at 9:56 pm to Tvilletiger
We have jewelers mutual. I don’t like the idea of having a homeowners policy because if you have a claim it affects your homeowner’s rates. Guns and jewelry get their own policies
Posted on 6/11/23 at 10:00 pm to Tvilletiger
Curious what y'all's threshold is for insurance purposes on jewelry?
$1k
$5k
Etc
$1k
$5k
Etc
Posted on 6/11/23 at 10:25 pm to HailToTheChiz
That depends on your income level. If you lost that jewelry, could you replace without being in debt?
Posted on 6/12/23 at 7:58 am to Tvilletiger
Yes, a buddy of mine had his rolex stolen and it was replaced without question. Ever since I have all of my watches/wife's jewelry insured.
Sure enough a year or so later my wifes car was broken into and some jewelry stolen, all covered.
Sure enough a year or so later my wifes car was broken into and some jewelry stolen, all covered.
This post was edited on 6/12/23 at 7:59 am
Posted on 6/12/23 at 7:59 am to HailToTheChiz
quote:
Curious what y'all's threshold is for insurance purposes on jewelry?
$1k
$5k
Etc
$10K
Posted on 6/12/23 at 8:31 am to hiltacular
We have Jewelers mutual on my wife’s wedding rings. Premiums have gone up but it’s still a no brainer. I absolutely would not want to come out of pocket to replace if something happened. $20 a month albeit I just pay the annual premium when it hits.
Posted on 6/12/23 at 11:32 am to Mariner
quote:
That depends on your income level. If you lost that jewelry, could you replace without being in debt?
That is a good way of looking at it.
I'm not insured with them, but I know that jewelers mutual does not report claims to repositories.
Posted on 6/12/23 at 12:55 pm to Tvilletiger
quote:
jewelry other then wedding ring
than
Posted on 6/12/23 at 3:38 pm to RATeamWannabe
we have ours with USAA. worth the thought of losing it or having it stolen
Posted on 6/12/23 at 3:52 pm to Tvilletiger
Yep.
Posted on 6/12/23 at 3:54 pm to hiltacular
quote:Why would anyone keep jewelry in their car?
my wifes car was broken into and some jewelry stolen
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