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Ring insurance?


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#11 TammyB

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    Posted 21 May 2007 - 01:18 PM

    Well I was bad about getting insurance on my rings as well, so I actually went last week. I wanted to make sure I was covered for when we were in Mexico. It went onto our homeowners insurance. I have no idea how much more in insurance will go up because I haven't received my new bill yet.

    #12 TATrisha

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    Posted 21 May 2007 - 02:02 PM

    Your insurance shouldn't go up too much, however if you have a claim it might. Being in the rate setting field of an insurance company I can tell you that jewelry claims are very predictive of other homeowner claims, so you usually will get a surcharge on your policy. Which is fine, that's what insurance is for... but if you can get insurance through your jeweler and they are reputable, I would definately think about it.

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    #13 ~Melissa~

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    Posted 21 May 2007 - 05:35 PM

    OK not sure but I was told you may need to update your renters insurance t notify them of the ring existing.

    Just talked to FH about it... and he said thanks for the reminder!

    #14 LCBride2007

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      Posted 21 May 2007 - 05:53 PM

      absolutely - i've always had a jewelry rider on my policy - i also a few other pieces insured, and they're itemized on my policy.

      #15 KRISTEN

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        Posted 21 May 2007 - 08:43 PM

        Thanks so much. I had not thought of this yet. I really need to call in the morning to get myring insured. My FI says thanks too!
        Kristen

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        #16 YauLau

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          Posted 21 May 2007 - 11:27 PM

          Do you need the ring appraised of the value? Do you just walk into any jewelry store and they will get it appraise for you?

          #17 -Kate-

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            Posted 21 May 2007 - 11:30 PM

            Pay attention to the difference bw insuring for replacement value or appraisal value. FI insured my ring for replacement value because he got a good deal on the ring. That makes our insurance pmt less. Appraisal value is almost 3 times what my ring cost.




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