Ring Insurance Question

Re: Ring Insurance Question

• rowenac82 member

  

  November 2012

  In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/cultural-wedding-boards_african-american-weddings_jewlery-insurance-question?plckFindPostKey=Cat:Cultural%20Wedding%20BoardsForum:400Discussion:4a0b4e05-b9e8-44bc-adeb-5b2f923d1326Post:25df44c7-1ab7-4e59-b08f-ea70fa193f4d">Ring Insurance Question</a>:
  [QUOTE]Hey sistahs, I hope everyones wedding planning has been going well. I just had a question for those that have gone thru the process of getting their rings insured. So when we bought our rings we had a 2 year theft protection plan. The 2 years is just about up and both our rings so I am looking in to maybe adding them to our homeowners policy. Is this what you normally do or is it better to go thru a private insurance company? We also bought our bands from Zales and they told me its about 100 per ring to appraise. I'm not sure if this is reasonable or not. Any info anyone could provide would be greatly appreciated. TIA
  Posted by Sophia1913[/QUOTE]
  
  <div>
  </div><div>I can't remember how much it was to appraise but I am pretty sure it wasn't 100 per a ring. I think the total bill for all three was about $140. I will check the receipt when I get home. We got it done at a local jewelry store. Just google appraisal near your zip code and call around for prices. One person did tell us $50/ hr, so it does vary. They then took a few days to prepare the official documents then I faxed it to our insurance company. We don't own, so we just added a jewelry rider to our policy. We have car and renters insurance with farmer's.</div>

  

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• M1ssJ member

  

  November 2012

  In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/cultural-wedding-boards_african-american-weddings_jewlery-insurance-question?plckFindPostKey=Cat:Cultural%20Wedding%20BoardsForum:400Discussion:4a0b4e05-b9e8-44bc-adeb-5b2f923d1326Post:25df44c7-1ab7-4e59-b08f-ea70fa193f4d">Ring Insurance Question</a>:
  [QUOTE]Hey sistahs, I hope everyones wedding planning has been going well. I just had a question for those that have gone thru the process of getting their rings insured. So when we bought our rings we had a 2 year theft protection plan. The 2 years is just about up and both our rings so I am looking in to maybe adding them to our homeowners policy. Is this what you normally do or is it better to go thru a private insurance company? We also bought our bands from Zales and they told me its about 100 per ring to appraise. I'm not sure if this is reasonable or not. Any info anyone could provide would be greatly appreciated. TIA
  Posted by Sophia1913[/QUOTE]
  
  <div>I added mine to FI's homeowner insurance. Average price we found was between $85- $120</div>

  www.shoplovelivelearn.blogspot.com

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• pearls687 member

  

  November 2012

  We added both my rings to our homeowner's policy.  I didn't price additional policies so I don't know how the pricing or coverage compares but the HO premium only went up by a few dollars.  Our appraisals were provided by the jeweler at no charge at the time of purchase. 

  

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• MissusD1116 member

  

  November 2012

  I went through jewelers mutual. Did everything online...local jeweler appraised for like $75 and I scanned and uploaded my appraisal...I pay like $30 per yr.

  Simply Fabulous!

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• footballwife77 member

  

  November 2012

  I don't know difference between home/private. I have mine on under home, however, Make sure you read documents, because if you put it under home- and if anything does happen, they cap the recoup amt for ALL jewelry. I'm not for sure, but I think mine is $1500. max amt they'll give me if fire/break in/ etc....

  

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• 20pearls16 member

  

  November 2012

  Hey Sophia. I hope the baby is cooking well lol. I used Jewelers Mutual. You can get a quote online. The appraisal part I can't help you with sorry.

  

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• keysmit

  

  November 2012

  My ring is through our renters insurance, we are in apt. we pay a few dollars extra a month. Nothing major. and the jewler gave us an appraisal free of charge. We just faxed that over to the insurance company.

  

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• Sophia1913 member

  

  November 2012

  Thank you ladies for all the info.  This has definetly helped.  I really need to get on this ASAP!

  

   

   

   

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• Sophia1913 member

  

  November 2012

  In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/cultural-wedding-boards_african-american-weddings_jewlery-insurance-question?plckFindPostKey=Cat:Cultural Wedding BoardsForum:400Discussion:4a0b4e05-b9e8-44bc-adeb-5b2f923d1326Post:0b8c0152-42af-4fb4-be0d-db736854455d">Re: Ring Insurance Question</a>:
  [QUOTE]Hey Sophia. I hope the baby is cooking well lol. I used Jewelers Mutual. You can get a quote online. The appraisal part I can't help you with sorry.
  Posted by 20pearls16[/QUOTE]
  
  Hey there Mrs.  Yep, baby's cooking well, thanks :-).  Time is starting to fly by its starting to make me a little nervous.

  

   

   

   

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