Broker Man
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My answer is based on you living in the UK.
Depending on the value of the ring, you could consider extending your insurance cover to include "personal effects outside the home. There will be a single item limit, and providing this is within the replacement value, this will also provide cover for other personal effects. Otherwise you will need to specify the ring as an "All Risks" item |
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Kris s
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You've got to be careful with home insurance as some of them will only cover the ring whilst it is in the house, a bit useless if your anywhere other than the house. I know my sister-in-law found an insurance company that would cover it under the home insurance/contents insurance on the internet. The only thing i can think of, is using a price comparison site. I've become a big fan of http://www.moneysupermarket.com/home/ got a couple of policies from there now. Hope this helps ;-) |
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nurse ratchet
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You should be able to have a jewelry endorsement put on your contents policy for a minimal premium. Call your agent and ask them. If you can't get it added to your current policy, I would consider shopping around for another carrier that will cover it for you.
Congratulations on your upcoming marriage! |
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InsuranceGooRoo
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You should be able to schedule the ring onto your homeowners/renters policy. Sometimes you will even have the option of a separate deductible. I would recommend checking with you agent and getting it on there. They should just need the appraisal from the jeweler.
Good luck |
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Nancy Kay
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then have your agent get a special rider to include it, for an additional premium |
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blb
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Add the ring for a small price to your homeowners or renters policy. Make sure that you ask for a valued or agreed policy. If you insure the ring for 10,000 and you lose it, they write out a check for 10,000 since that is the agreed upon price. If you don't have that type of policy the company shops around for the cheapest price they can get. If they go to a wholesaler they can usually get the ring much cheaper and that is what they pay you even though you pay the premiums on the higher amount. of coverage |
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aggi53
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Nearly all household contents insurance policies can be extended under a All Risk section to cover the ring - a standard rate is around 2.5% - depending on the value you maybe asked to provided proof of value
remember to request cover any where world wide or at least Uk Europe - dont try and insure it on its own - someone will con you.
Talk to an Insurance broker about all you insurance needs - you maybe pleasantly surprised by them getting you better cover than you have now and you may save money - good luck
The cost will depend on where you live and the sums insured etc |
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Pinkflower
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Not sure on that noe as mine is from the Abacus through my hubbies insurance. Good luck finding a good one |
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mbrcatz
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No, but you should be able to add an ENDORSEMENT to your standard contents insurance, adding the coverage for the ring. It's the CHEAPEST way to insure a ring. Some companies will write a stand-alone jewelry policy, IN CONJUNCTION with the contents policy, but not stand alone.
If you want a stand alone policy, it's MUCH more expensive, and usually has more limited coverage than the endorsement to contents. But your local agent who writes your contents coverage should be able to quote this stand alone, or endorsed to the contents policy. |
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MJ
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Your current insurance policy should cover unscheduled jewelry for an amount around $1,000. Anything over that value you can purchase a jewelry rider from your current insurance carrier. The rider will cost extra, depending on the value of the ring. Call you insurance agent and request the jewelry rider. You will need to have an appraisal from a qualified jeweler in order to purchase the rider. |
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