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ThreeCats
Train Ride
Member since 5/05 3127 total posts
Name:
A
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Jewelery Insurance ?
How much should your jewelery be worth to get insurance on it?
From what I understand getting insurance on every piece of jewelery you own is not worth the premium you'll pay.
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Posted 7/21/14 10:21 AM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
jessnbrian
Only God knows His plan for us
Member since 4/13 7238 total posts
Name:
Jessica
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Jewelery Insurance ?
My jewelry is just a rider on our homeowners - we just did a flat rate that would be sufficient to cover my engagement and wedding band along with a handful of other pieces. Before we purchased our house, they were riders on our renters insurance.
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| Posted 7/21/14 10:24 AM |
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Rosie0613
LIF Adolescent
Member since 8/10 875 total posts
Name:
Rosie
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Re: Jewelery Insurance ?
Us too. We got our most valuable pieces appraised (engagement ring, wedding bands, diamond earrings from DH etc.) and the insurance company wrote a rider added to our homeowners policy based on the appraised value.
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| Posted 7/21/14 10:34 AM |
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Paramount
Sweet!
Member since 7/12 4287 total posts
Name:
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Jewelery Insurance ?
I have my most valuable pieces appraised and insured. None of the little stuff.
My "big stuff" is 3k+. E-Ring, Wedding band, my newly lost/found necklace.
And by the way. I toyed with putting in a claim on the necklace. Its been over a year. But my DH said wait. I think if I had put in the claim it would have been "lost" forever in my mind. So I waited. Glad I waited to put in a claim.
Rider on Homeowners.
Message edited 7/21/2014 10:55:26 AM.
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| Posted 7/21/14 10:53 AM |
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Xelindrya
Mommy's little YouTube Star!
Member since 8/05 14470 total posts
Name:
Veronica
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Jewelery Insurance ?
Rider on my homeowners (previously my renters)
I figured our wedding bands, e ring and diamond necklace. After that nothing much. There is a small bit of coverage on your standard homeowners ($250) so the rest falls into that category (if not less than $20 LOL)
Once on my policy, I can't go to another policy unless I get them reappraised (its been over 10yrs) so yet another reason I'm sticking with my carrier LOL
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| Posted 7/21/14 12:09 PM |
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BBD322x0
LIF Adolescent
Member since 3/14 703 total posts
Name:
Brittany
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Jewelery Insurance ?
I have a a bunch of items that are insured in addition to my e-ring and wedding band. We have a plan through Allstate attached to our renters insurance - I think it's about $15/month. I have all jewelry that is over $1000 insured. They were all appraised and then the total combined value is what it says is covered on our insurance.
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| Posted 7/21/14 1:12 PM |
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BabyLove08
Love her!
Member since 2/08 3673 total posts
Name:
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Jewelery Insurance ?
My engagement ring was over $20,000 so we insured it. We pay $65 quarterly through State Farm.
Message edited 7/21/2014 2:08:56 PM.
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| Posted 7/21/14 1:32 PM |
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PhyllisNJoe
My Box Is Broken
Member since 6/11 9145 total posts
Name:
Phyllis
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Re: Jewelery Insurance ?
We have it through homeowners ins as well. My E Ring was listed separately and then had a bunch if misc jewelry under as well.
If you keep it in a vault, the premium is a little smaller.
Message edited 7/21/2014 1:54:51 PM.
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| Posted 7/21/14 1:54 PM |
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Jewelery Insurance ?
I got it on the pricier items- my engagement ring, wedding band and right hand sapphire ring.
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| Posted 7/21/14 2:36 PM |
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