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pepper6777 | I want to insure my wedding ring. What do I have to do? What company do I contact, is it the same as ...? |
homeowners insurance? |
 |
 
JSB
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In MA, you need to have the ring appraised, I did this at my local jewelers. You will usually have to pay for this! Then you take the appraisal to your insurance company, and tell them what you would like to do. I do believe they list it on your homeowners policy. |
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♥♥The Queen Has Spoken♥♥
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You could insure it through your homeowners policy. Or through the store that sold the ring.
Check both... |
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zerohabit
 |
you have to first get it a certificate of appraisal by a certified jeweler - it might be good to get this from the jeweler where the ring was purchased. Then you need to submit it to your homeowner's insurance. If you don't own a home, you should get renter's insurance. I'm not clear on how that works, but I am sure they would add it to your policy. Then, you'll be all set. |
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flightmedicine
 |
I would check with my home owners insurance. that is where my wife has her's insured with. |
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John G
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OK, Pep, listen up!
Your HO policy has limited coverage for jewelry. Limited both as to the total amount and as to perils insured (meaning kind of loss like, theft, fire, etc.) So, first off, see if coverage amont afforded NOW is enough for the ring and ALL OTHER jewelry.
But suppose this puppy really is a high dollar item. Hopefully you can get an appraisal from the store that sold the ring -or you have or can get the receipt. Now you go to your HO policy agent or company and tell 'em you want a "Personal Atricles" floater added to your policy. Under that floater is a section for jewelry. Your insurer will want a valid jeweler's description which is usually part of the appraisal. Prepare to pay big bucks.
UNLESS, that it, the ring is a work of fine art! This usually means it was done a long time ago by some jeweler who did nothing but custom design work. Oddly enough, if you can produce an appraisal which classifies the ring that way, you may qualify for a "fine arts" rate (I couldn't make this up) which provides very broad coverage and a much lower rate! Your ring will then show up on the "fine arts" section of the floater and be insured for very little extra premium. Cooool.
And all of this is going to cause you to start asking, "What about my necklace? The antique high-boy? The silver?!! You're going to go nutz!
So, you may end up saying to yourself, "You know, if something happens to that ring, no amount of money can really bring it back. I don't need it to survive and I can always get another. So maybe, I should just settle for the measly $500 the regular insurance pays -and not throw away dollars on ring insurance."
And that would be a very enlightened point of view. |
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