{ "media_type": "text", "post_content": "Recently engaged. What's the best way to insure the ring? Does a jewelry rider on your rental insurance cover loss or damage outside your apartment?", "post_id": "5890dfc09af0b1001049a01b", "reply_count": 15, "vote_count": 1, "bowl_id": "552d1d24dc1c586b09d2d051", "bowl_name": "Consulting" }

Recently engaged. What's the best way to insure the ring? Does a jewelry rider on your rental insurance cover loss or damage outside your apartment?

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I just went to Statefarm and added it to my existing auto and renters policies. It's about $75 per year and replaces more than cost of the ring

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Add to your home insurance. About 250/year for full market value replacement. I had to email the appraisal value to make sure market value is set to what we paid

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I went with jewelers mutual since home insurance was in my girlfriend (now fiancé') name...similar pricing

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Any expensive jewelry would be insured under personal property insurance. When bundled with car/renters insurance it shouldn't cost much. You sadly can't just take photos and receipts - it has to be officially appraised for you to use the insurance. Please read your policy in great detail and ask all the "what if" questions you can think of.

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Congats btw!

Yes, but it is best to call your insurance provider and let them know about the ring and any specifics, type/value and whatnot. Take pictures of the ring and forward any documentation to your insurer.

Mine is 20 a month. Obviously depends on price of ring. But go through your normal insurer and it's a separate policy called personal articles

Yes same as D1 - added to my existing Geico policies

BCG, what is you me coverage amount of you don't mind me asking? I'm thinking about getting $9K of coverage

Mine is $185/year for $12,800

It's usually a valuable personal property add on to homeowners or renters

^^ this is what the fiancé and I did when I got my ring.

Same process for an expensive watch?

Same process for a watch. Usually homeowners/renters covers personal property up to some exclusion levels. Above that you need VPP, and you can list multiple items, or even collections (bunch of jewelry that's not so expensive individually, art collection, etc).

Mine is $20k value at $250/ year

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