Ring Insurance?

arrestclementine

Are you/Do you insure your fiance/husbands wedding band?

ceh789

It's covered under our general home owner's policy.  We purchased a specific rider for my e-ring since that's more expensive than the general jewelry provision but neither of our bands was that expensive.

arrestclementine

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_attire-accessories_ring-insurance?plckFindPostKey=Cat:Wedding%20BoardsForum:15Discussion:9526525b-7f36-432c-9c33-c27723e9defaPost:83b63652-da7a-4512-a837-29f5fe593d9b">Re: Ring Insurance?</a>:
[QUOTE]It's covered under our general home owner's policy.  We purchased a specific rider for my e-ring since that's more expensive than the general jewelry provision but neither of our bands was that expensive.
Posted by ceh789[/QUOTE]

So his ring is covered just under your home owner's policy?  Did you have to get the stated in the policy specifically?

I should have noted that I do have mine insured and it is a completely separate policy as my ring was also considerably more than his.  I just never thought he was actually going to wear his ring and now that he is ... I'm thinking it just might be worth insuring.

RailWayWife

Mine is covered under our House Insurace Policy.

kristinanddan

We have my-rings covered under a policy from Jewelers Mutual. I would never put it under our homeowners insurance because I figure if I'm ever going to make a claim on anything, it's probably going to be my ring, and I don't want our homeowners going up as a result.

FI's wedding band wasn't expensive enough to warrant insurance.

gundy21

I have a rider on our homeowner's insurance for my ring, but since we both opted for simple wedding bands, we did not do a special rider for them. 

ceh789

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_attire-accessories_ring-insurance?plckFindPostKey=Cat:Wedding%20BoardsForum:15Discussion:9526525b-7f36-432c-9c33-c27723e9defaPost:be55aefa-8fc1-46f8-91f0-e58f8b068c3e">Re: Ring Insurance?</a>:
[QUOTE]In Response to Re: Ring Insurance? : So his ring is covered just under your home owner's policy?  Did you have to get the stated in the policy specifically?
Posted by amber0389[/QUOTE]

<div>
</div><div>My normal policy limits jewelry coverage to $2000 - check the fine print on yours.  Honestly, since his ring costs far less than our deductable I doubt I'd file the claim unless it was lost in a house fire or something (*knocks on wood*).</div>

kd.joseph

Immediately, even before he even gave it too me. And after we got both our wedding bands. He put it on our Homeowners policy.

Caitlin192

Our renters insurance covers jewelry up to $1000. We have a special provision for my engagement ring because it was more than that but the wedding bands won't be....I hope. 

hollyweenOR

The bands are under our general homeowner's policy; my engagement ring is covered by a rider on the same policy.