ST Alpha - "Random engagement related question. How much does it cost to insure the ring? and now that she has it should I insure it or should she? -- nm" (Reading a Post)

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Random engagement related question. How much does it cost to insure the ring? and now that she has it should I insure it or should she? -- nm

Posted by volnelk Apr 27 '12, 09:11

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Responses:

Just got a call back. My insurance is through Farmer's. It is at the underwriter and they will tell me on monday what changes. -- nm - volnelk Apr 27, 09:47
Pippy's right - schedule it - cost about $13. per thousand and you have coverage for things like missing stones, lost ring, theft - and no deductible -- nm - JenBro Apr 27, 09:32 1
- regarding State Farm - they typically don't add schedules or riders to their home policies, hence have a separate Inland Marine policy for jewelry - - JenBro Apr 27, 09:42
Here's how it was explained to me - Count Strongbad Apr 27, 09:25 3
- Uh... that is weird. -- nm - Iron Spawn Apr 27, 09:26 2
  - We have State Farm. - Count Strongbad Apr 27, 09:29 1
    - (probably what mafic is referring to below) -- nm - Count Strongbad Apr 27, 09:31
do you already have insurance (home or rental?) it will probably be covered if you have an appraisal for it. - Andie Apr 27, 09:13 11
- I have homeowners insurance. So does it just add to my current policy? I don't pay more? -- nm - volnelk Apr 27, 09:16 10
  - it depends on the policy. call your ins. agent -- nm - decline Apr 27, 09:20
  - depends on your policy and how much it's worth. some have caps for items, or categories, or total claims, some require additional payments for high - mafic Apr 27, 09:18
  - i am NO expert, but i think you need to talk to the them about the value of the ring. -- nm - Andie Apr 27, 09:17 7
    - (my rings were covered by my existing policy, but they were crazy expensive rings) -- nm - Andie Apr 27, 09:18 6
      - You are the 1%!!! -- nm - Iron Spawn Apr 27, 09:19 1
        
        i wish. -- nm - Andie Apr 27, 09:19
      - err, they were NOT crazy expensive -- nm - Andie Apr 27, 09:18 3
        
        mine either - Epiphany Apr 27, 09:32 1
        
        Your limit of Bling Shame? -- nm - con_carne Apr 27, 09:47
        
        Ah, welcome back to the 99%! -- nm - Iron Spawn Apr 27, 09:19
cheapest premium would be to schedule it under home insurance - Epiphany Apr 27, 09:13
If she already has a renter's or homeowner's policy, it should be pretty easy to add a rider. -- (link) - mara Apr 27, 09:12
depends on the value of the ring. - znufrii Apr 27, 09:12

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