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Additional Details
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Sarah N | What is the best insurance company to insure an enagement ring? |
I'm looking for a dependable insurer that will insure an engagement ring; not an add-on policy to a homeowner's or renter's insurance. Moreover, a company that will soley insure a piece of jewelry. |
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mbrcatz
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OK, look. A stand alone policy is going to cost a WAY WAY WAY lot more than a homeowners policy with rider. But, if you've got the money to throw away, Great American will write a stand alone inland marine policy. Minimum premium is $2500 - yep, $2500 for the premium, for a stand alone policy, YOUR WAY. You'll probably have to have a VERY current appraisal, and the coverage won't be as broad as a homeowners policy, and the deductible will be considerably higher.
Of course, you can get a renters policy or homeowners policy for about 10% of that, with very broad coverage, and no or minimal deductible. |
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mamatohaley+1
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I go through State Farm and have been happy. It is a stand alone policy. It needs to be insured separately from homeowners as the jewelry limit on those policies in not very high. The answer above of a 200k limit is incorrect. |
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MissVero
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I've worked with both Nationwide and Allstate Insurance Companies and I am a licensed Property & Casualty (aka Car & Home) agent in the state of GA... I am going to offer this simple advice to you....LIMITS OF LIABILITY CHANGE IN EVERY STATE. And the 200K limit is what the limit is for the cost of rebuilding a HOME, not "Itemized" Jewerly.
There is a limit on jewelry (usually 1K-3K) in a homeowners policy UNLESS it is Itemized and you add additional coverage...you will need an appraisal for this....And this of course may increase your premium BUT not nearly as much as it might if you were to get a stand alone or Lloyds of London policy.
Example: If you do not Itemize and add converage on an already existing policy..say homeowners or renters, and you have a 10K ring and its stolen...your insurance company will only pay out the Maximum JEWERLY limit on the Homeowners policy NOT the amount that your home is insured for.
Advice- Add additional coverage on an already existing policy. If you want a "stand alone" policy...you will undergo a lot of "UNDER-WRITING" questions before they even accept to insure it and if the Company deems it a HIGH RISK you'll either pay a very high premium or risk the chance of getting denied coverage all together.
***HIGH RISK-an example would be if you wear the ring 100% of the time and you work as a general laborer or something. VS. A ring that might be an estate item and always kept in a safe at a bank which would be considered a low-risk and more likely to get insured a lower cost.
Hoped this helped! |
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tomthepawpaw
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Any that will pay off when you claim that you lost it. |
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TJTB
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Just insure it through your home owner's policy b/c it's less expensive; unless it's such an expensive piece that it exceeds the limit (I believe in most policies the limit is $200,000). |
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529s.com
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If you don't own a home or have renters insurance I would contact the jeweler that sold you the ring. Many times they work with a specialized carrier.
I agree that its better to cover it through a homeowners policy, but make sure that it is scheduled on the policy. Homeowners insurance by itself will provide some basic coverage, but its best to schedule it. This way even if the diamond falls out of the mount it will be covered. |
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blb
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It is much cheaper to insure it on a renters or homeowners policy. Take out a minimum renters policy if you don't already have one and add it on. You will need an appraisal. Make sure that you ask for agreed value jewelry or valued jewelry. If something happens to the ring (theft, loss) you get paid the amount that you insure it for. If you just have it added to an inland marine without the agreed value clause the insurance company pays what they can get it for from a wholesaler which is always less than what you have it insured for.
If you still think, after everyone has advised you to add it to your homeowners, call an independent agent and they MAY be able to help you find a policy. Not many companies write this type of coverage at a reasonable price. |
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realfan
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some are cheap for jewellery |
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Gambit
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Lloyd's has the capacity to insure just about anything, however be prepared to pay for the privilege (link provided). Unless this is a VERY expensive piece of jewellery, I would recommend that you insure it with the company that insures your home/apartment/condo. |
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Sue
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Chubb used to write stand alone jewerly policies. I had one when I was living iwth my parents and didn't need a renters or homeowners policy. The cost was about $2.50 per $100 of coverage, but that depends on your state. Go to www.chubb.com There will be a box on the right side that says Personal Insurance. Click on jewelry and then on that page on the right - in the gray area - the last item is Find an agent. Click on that & put in you zip code & you should be able to find an agent in your area. I think they write in every state. |
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