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Ring insurance?


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#1 tvt

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    Posted 21 May 2007 - 11:07 AM

    We've been really bad about getting insurance for my ring... (especially since it's a little big... I know BAD, but I'm dropping it off tonight to get it resized) but now that we're looking into it we're a little unsure of where do go. Does it fall under Joe's homeowner insurance? Or would it go under my renters insurance? Who's ring is it technically? Joe's since he bought it? Or mine since I wear it?

    I'm confused. Anyone know?

    #2 Janet

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      Posted 21 May 2007 - 11:14 AM

      We have ours covered under our renters insurance. When you get married will you both be joining Joe's plan? I would just call your ins. companies and see what they each say about it - and if they both offer to cover it then see who will give you a better rate!

      #3 Sarah

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        Posted 21 May 2007 - 11:14 AM

        What I was told by my insurance agent is that if you have separate policies, it's whomever you want to be able to claim it! So, we just put it under my homeowner's policy. We just added our wedding bands a couple weeks ago, same story...

        #4 tvt

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          Posted 21 May 2007 - 11:21 AM

          I'll only have my renters insurance for another 3 months, then we're moving in together... so it would probably make more sense to put it under Joe's insurance.

          #5 Sarah

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            Posted 21 May 2007 - 11:48 AM

            That's why we chose my homeowner's insurance- it was the policy we were going to keep, so it just seemed easier.

            Now get that ring insured girl!

            #6 soulmates

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              Posted 21 May 2007 - 11:53 AM

              We've got both of my rings on our homeowner's insurance....You really need to get it insured!!!

              #7 calyx6

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                Posted 21 May 2007 - 12:18 PM

                You can put it on your homeowner's or renter's insurance or you can get your ring its own insurance policy. Our ring policy has a much lower deductible than the home policy, and the ring is covered under almost any circumstances including plain old lost it! The only thing it won't cover is loss due to flooding but instead of reporting it lost due to flooding, you could say you went swimming and lost it. I'm sure any insurance agent will be more than happy to advise you on which policy is better.

                -V-
                Tulum - November 3, 2007

                #8 *JillD*

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                  Posted 21 May 2007 - 12:21 PM

                  I need to do mine too!

                  I had a dream the other night that my stone fell out! Thank god it was only a dream!

                  #9 TATrisha

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                  Posted 21 May 2007 - 12:22 PM

                  It needs to be insured, ASAP! Murphy's law! But, with that said, my BF and I just talked with our insurance agent about the issue. They offer coverage for around $10 per $1,000. That's pretty typical. However, my sister (gemologist) said that her jewelry shop offers insurance for only $5 per $1000 and it's more comprehensive. PLUS, if you do have to file a claim, it won't affect your homeowners insurance and make your rate go up.

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                  #10 tvt

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                    Posted 21 May 2007 - 12:40 PM

                    Quote:
                    Originally Posted by Tlseege
                    It needs to be insured, ASAP! Murphy's law! But, with that said, my BF and I just talked with our insurance agent about the issue. They offer coverage for around $10 per $1,000. That's pretty typical. However, my sister (gemologist) said that her jewelry shop offers insurance for only $5 per $1000 and it's more comprehensive. PLUS, if you do have to file a claim, it won't affect your homeowners insurance and make your rate go up.
                    Good to know! I'm dropping it off to get it resized tonight so I'll ask them about it.

                    Thanks for all of your help ladies!!




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