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12-13-2016, 07:24 PM
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#1
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It's like going crazy when you're already nuts
Join Date: Aug 2005
Posts: 6,019
Thanked 3,297 Times in 855 Posts
Failed 90 Times in 38 Posts
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Jewelry insurance
Does anyone on here have any experience buying insurance for engagement rings and/or other fine jewelry? Which companies have you dealt with, and what are your experiences like?
Currently have a quote from "Perfect Circle, by Jewelers Mutual Insurance Company" which has a relationship with Blue Nile from whom the ring was purchased from. Not sure if there are any better options from other vendors.
TIA
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12-13-2016, 08:07 PM
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#2
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MiX iT Up!
Join Date: May 2006
Location: vancouver
Posts: 8,153
Thanked 2,076 Times in 871 Posts
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why does one insure their engagement ring?
what is the insurance covering?
__________________
Sometimes we tend to be in despair when the person we love leaves us, but the truth is, it's not our loss, but theirs, for they left the only person who couldn't give up on them.
Make the effort and take the risk..
"Do what you feel in your heart to be right- for you'll be criticized anyway. You'll be damned if you do, and damned if you don't." - Eleanor Roosevelt
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12-13-2016, 09:12 PM
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#3
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I *Fwap* *Fwap* *Fwap* to RS
Join Date: Mar 2013
Location: Vancouver
Posts: 1,526
Thanked 1,719 Times in 636 Posts
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If you have home insurance, you can usually get a separate jewelery policy added on. Costs vary.
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12-13-2016, 09:19 PM
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#4
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Wunder? Wonder?? Wander???
Join Date: Sep 2016
Location: YYC/YVR
Posts: 211
Thanked 248 Times in 76 Posts
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We used to insure my wife's ring on our home insurance policy, I think it was around ~100$ extra a year. If you go this route, get a local company to appraise it (it will usually be higher than B.N. appraisals)
When we switched companies we dropped the additional policy on it. There is a default amount it is insured for now, which is common for virtually all home insurance policies (check your fine print as it varies)
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