Ring insurance for non-homeowners?

Re: Ring insurance for non-homeowners?

• vanityink member

  

  January 2013

  It might not be a bad time to get renter's insurance (my friend had it and it saved is a$$ once) but if you aren't interested, most insurance companies offer ring insurance I find (for example, our homeowner's policy is through State Farm, but they also have seperate ring insurance [http://www.statefarm.com/aboutus/_pressreleases/2011/april/12/losing-it-on-your-wedding-day.asp]) Pick an insurance firm you're comfortable with and look into their policies 

  
  

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• ohmrs2014 mod

  

  January 2013

  I still live at home with my parents, in fact so does FI.  I actually got a policy from Personl Circle, which used to be Jewelers Mutual.  They are great.

  
  

  
  

  
  

  
  

  

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• freebread03 member

  

  January 2013

  Girl, you gotta get renter's insurance!  Protect your assets-seriously. If you get robbed, if there is a fire (think about smoke damage, or even just sprinkler damage), or other incident that destroys your belongings, you want to be able to replace that stuff without significant cost to you.  Renter's insurance is like $100/yr for pretty good coverage.  I assume you could add your ring to this, but you'd need to ask the company (I've used both Geico and State Farm, and currently use state farm for my condo policy).

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• KatWAG member

  

  January 2013

  I have a personal articles insurance policy that all of my jewelry is under. It is not tied to renters. home owners insurances. It is simply a policy for only jewelry.
  
  But you should still get renters insurance.

  

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• Psych819 member

  

  January 2013

  I used jewelers mutual  ot also known as perfect circle. This company only insures jewelry. 

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• elbow23 member

  

  January 2013

  Another vote for getting renter's insurance ASAP!  Make sure you know what the policy covers, however.  I pay about $115 a year (through Liberty Mutual) to cover my possessions, but any jewelry items over $1,000 (ie. engagement/wedding rings) require a separate rider, which is $40 a year (based on the appraisal value of my ring).

  

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• lizardloo member

  

  January 2013

  I definitely think you should be getting renters insurance.  Ours is super cheap and we just added my ring onto it for an extra $25 a year.  So worth it!

  

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• Elise6212 member

  

  January 2013

  So, renter's insurance is now #1 on my list! Thanks all for the suggestions!

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• Kella0223 member

  

  January 2013

  I just had to do the same this week. I had to get a renters insurance and the a supplemental plan for the ring. All I had to do was fax an appraisal for it. It in all cost less than $100/yr. simple and worth it!

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• ally91 member

  

  February 2013

  I got engaged in August 2012 and in January 13 I was going on a cruise with my fgamily (who had yet to see the ring because we live accross the country!). I HAD to get my ring insured so I got renter's insurance with a jewelry rider, just make sure the rider includes anything that could happen to your ring no matter where you are, NOT just it getting stolen from your apartment. I got mine through Geico (who apparently utilizes Traveler's) and my total for the year was $156. Totally worth the peace of mind knowing if I had lost my ring in the ocean it would be ok

  Soon-to-be Mrs. Kent

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