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April Liane
Board Enthusiast
Member since 2/06 240 total posts
Wedding Date:
8/31/2007 5:00 PM
Wed. Location:
The Thatched Cottage
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Ring Insurance ...
Has anyone insured their engagement ring? I want to, but not sure how ... I don't own a home so I can't put it under my home owners ins. Until we do get a house that I can put this thing under .. and suggestions?
Thanks!!
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Posted 3/17/06 10:17 PM 
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imyurfavgirl
1 year down!!!
Member since 6/05 1714 total posts
Wedding Date:
9/23/2006 3:00 PM
Wed. Location:
CB
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Re: Ring Insurance ...
My ring is insured under jewelers mutual. they have a website you can go to jewelersmutual.com
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Posted 3/17/06 10:19 PM
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Shorty McBride
so done!
Member since 4/05 12783 total posts
Wedding Date:
11/23/2007 5:00 PM
Wed. Location:
Winter Garden Pavilion, Fox Hollow
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Re: Ring Insurance ...
I use state farm.
Its a completely separate "personal articles" policy....no homeowners or renters insurance necessary.
The rate is based on where you live, and how much you want to insure.
(A safe bet is to get an appraisal for about 1/3 more than you paid...to allow for inflation, etc.)
I pay $50 a year.
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Posted 3/17/06 10:22 PM
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Goldi1021
Growing a miracle in my belly!
Member since 1/05 12772 total posts
Wedding Date:
2/18/2006 7:00 PM
Wed. Location:
Temple Avodah
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Re: Ring Insurance ...
We put a rider on our renter's insurance policy. You do not have to own a home to insure your ring. I for one, would not wear a ring of great value without insuring it. I do not work in a safe environment. As much as a ring represents sentiment, it's purchase is a huge investment for young people to risk theft or loss without insurance.
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Posted 3/17/06 11:17 PM
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sr081906
My little man is here!
Member since 2/06 7090 total posts
Wedding Date:
8/19/2006 12:30 PM
Wed. Location:
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Re: Ring Insurance ...
We temporarily insured it with the jewerly store just so if something would happen when FH left the store with it.
We will add to home insurance. You can get insurance just for it if you want to. We have All State. You can call an agent and ask them what they can offer.
Message edited 3/18/2006 8:40:18 AM.
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Posted 3/18/06 8:39 AM
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Mrs. dleeny
My most beautiful day ever
Member since 3/05 12395 total posts
Wedding Date:
11/6/2005 5:00 PM
Wed. Location:
Swan Club A+
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Re: Ring Insurance ...
DH insured my e-ring with his rental/car insurance company.
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Posted 3/18/06 9:32 AM
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Magicgrl21
Board Enthusiast
Member since 5/05 241 total posts
Wedding Date:
11/4/2006 2:00 PM
Wed. Location:
Leonards of Great Neck
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Re: Ring Insurance ...
mine is unsured under our home owners. Mine is $530 per year
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Posted 3/18/06 9:41 AM
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Danigrl28
Where does the time go?
Member since 1/05 1141 total posts
Wedding Date:
1/8/2006 3:00 PM
Wed. Location:
Watermill
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Re: Ring Insurance ...
I insurered my ring through statefarm ( I ave my car ins there also). You just have to bring them a copy of your appraisal.
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Posted 3/18/06 9:45 AM
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chrissyandvin
Our New HOME!!!!
Member since 1/06 7745 total posts
Wedding Date:
8/31/2007 6:00 PM
Wed. Location:
Villa Lombardi's
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Re: Ring Insurance ...
Posted by Goldi1021
We put a rider on our renter's insurance policy. You do not have to own a home to insure your ring. I for one, would not wear a ring of great value without insuring it. I do not work in a safe environment. As much as a ring represents sentiment, it's purchase is a huge investment for young people to risk theft or loss without insurance.
I did the same thing 
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Posted 3/18/06 9:52 AM
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Mdolph6
Our baby girl is finally here!
Member since 12/05 3136 total posts
Wedding Date:
2/16/2007 4:00 PM
Wed. Location:
MG
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Re: Ring Insurance ...
Mine is with CHUBB ins, its only $200 a year.
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Posted 3/18/06 4:18 PM
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jeanla4c
THREE YEARS already!
Member since 8/04 5242 total posts
Wedding Date:
7/9/2005 2:30 PM
Wed. Location:
Chateau La Mer
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Re: Ring Insurance ...
Yep---we added mine to DH's homeowner's insurance but I know my sister's ring is insured under my parents' homeowners....lots of good options posted--definitely should get it insured!!!
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Posted 3/18/06 4:21 PM
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camerakrazie
my review is up
Member since 3/06 4333 total posts
Wedding Date:
6/22/2007 7:00 PM
Wed. Location:
On the Great South Bay
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Re: Ring Insurance ...
me and FH dont own a home yet..we are renting...you can get renters insurance and get it through there
if you go to Geico insurance company...they have it on their link....call them number and they will be able to help you
mine was 300 dollars for the whole year...you just have to fax them an appraisal....
hope it helps
GEICO
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Posted 3/18/06 5:11 PM
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Danacm80
Happy Thanksgiving
Member since 7/05 1103 total posts
Wedding Date:
6/29/2007 3:30 PM
Wed. Location:
The Carltun
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Re: Ring Insurance ...
Posted by Shorty McBride
I use state farm.
Its a completely separate "personal articles" policy....no homeowners or renters insurance necessary.
The rate is based on where you live, and how much you want to insure.
(A safe bet is to get an appraisal for about 1/3 more than you paid...to allow for inflation, etc.)
I pay $50 a year.
I am also using state farm.... I'm paying about $100/yr... & it covers EVERYTHING.
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Posted 3/18/06 5:28 PM
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bridy06
An amazing wedding!!!!
Member since 1/06 1384 total posts
Wedding Date:
1/2/2001 3:00 PM
Wed. Location:
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Re: Ring Insurance ...
I useState Farm too...
We called around and tried to get a good deal and state Farm had the best. When FI tried to put it under his homeowner's policy - it was MUCH MORE EXPENSIVE than if I filed a seperate policy.
So I took it out myself and pay it separately.
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Posted 3/18/06 6:23 PM
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October Bliss
Beyond Obsession
Member since 8/05 7629 total posts
Wedding Date:
10/8/2006 2:30 PM
Wed. Location:
Country Gardens @ East Wind
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Re: Ring Insurance ...
Posted by Danacm80
Posted by Shorty McBride
I use state farm.
Its a completely separate "personal articles" policy....no homeowners or renters insurance necessary.
The rate is based on where you live, and how much you want to insure.
(A safe bet is to get an appraisal for about 1/3 more than you paid...to allow for inflation, etc.)
I pay $50 a year.
I am also using state farm.... I'm paying about $100/yr... & it covers EVERYTHING.
Another vote for the State Farm Personal Articles Policy. My policy cost is between these two ladies. No deductable and the policy covers appreciation value.
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Posted 3/18/06 11:44 PM
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Mrs.D08
I'm Married
Member since 1/07 3692 total posts
Wedding Date:
8/10/2008 4:30 PM
Wed. Location:
Leonards B
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Re: Ring Insurance ...
Bump
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Posted 2/19/07 3:56 PM
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DCSAAB06
The FAMILY :)
Member since 8/04 4352 total posts
Wedding Date:
4/28/2006 8:00 PM
Wed. Location:
WCC
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Re: Ring Insurance ...
I work for SF..want a quote, FM me 
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Posted 2/19/07 4:17 PM
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FullersBride
Thank heaven for little girls!
Member since 12/06 2455 total posts
Wedding Date:
7/21/2007 4:00 PM
Wed. Location:
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Re: Ring Insurance ...
My FH had the ring insured before her even left the Jewlers he said
He proposed on the beach and he said he kept having nightmares of spending the whole day sifting through the sand looking for the ring after I dropped it
WEll I dind't drop the ring But it was insured.
I suggest you take our a personal articles policy on the ring. This way, if the ring is ever stole or you lose it, its covered. Also, God forbid the diamond ever gets loose an falls out that is covered to.
All you need is a written appraisal from a jewler and the insurance agency willprobably take a picture of it.
Defenitely get it insured!!!!
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Posted 2/19/07 4:22 PM
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NY2Cincinnati
loving married life!
Member since 2/07 1350 total posts
Wedding Date:
7/7/2007 7:00 PM
Wed. Location:
same
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Re: Ring Insurance ...
I have my ring insured with jewelers mutual. check out their website.
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Posted 2/19/07 5:32 PM
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cindy104
Board Fanatic
Member since 1/07 392 total posts
Wedding Date:
5/3/2008 10:30 AM
Wed. Location:
someplace absolutely beautiful!!
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Re: Ring Insurance ...
We have my ring insured through Allstate, under our renters insurance policy. I believe it's $18 per year (for every thousand it's worth).
HTH!!
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Posted 2/19/07 6:45 PM
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Jasonsgirl
I'm Mrs. Scholl
Member since 12/06 2275 total posts
Wedding Date:
7/18/2008 8:00 PM
Wed. Location:
Villa Lombardi's
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Re: Ring Insurance ...
Fh got it threw his car insurance.
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Posted 2/19/07 7:29 PM
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Mrs. V 2008
Yay! Thanks for making me NOTW
Member since 9/06 20986 total posts
Wedding Date:
8/15/2008 4:00 PM
Wed. Location:
Watermill A++++++++++++++
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Re: Ring Insurance ...
I'm using jewelers mutual..they cover everything!!!!!
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Posted 2/19/07 9:06 PM
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