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Old 12-13-2016, 07:24 PM   #1
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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.

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Old 12-13-2016, 08:07 PM   #2
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why does one insure their engagement ring?

what is the insurance covering?
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Old 12-13-2016, 09:12 PM   #3
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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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Old 12-13-2016, 09:19 PM   #4
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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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