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Looking for BEST jewelry Insurance for my Engagement Ring!! PLEASE READ?

We just got engaged and are currently looking into insurance. We heard that homeowners limits the amount covered by the policy. My ring is appraised at $7300. If we were to make a claim for a loss or theft, we would like to be sure that we arent given a check for depreciation etc We have also heard that insurance companies like to push thier personal jewelry on you after the fact, when realistically we would rather go Back to the same family jeweler that we use to replace this ring. It should be our choice where to replace it, or where we buy it. Is there an insurance that we can get STAND ALONE no deductible insurance. It seems like everyone wants to sell us homeowners too! PLEASE HELP!!!!

The best, cheapest way to insure this, is to add an endorsement to your homeowners policy to take away that theft limitation, and add “all risk” (aka the dog ate it) coverage.

For more money, you can ask for an “agreed value” endorsement on that jewelry floater, so that they cut you the check for the full amount. But it will cost more.

If you’re hell bent on stand alone coverage, you can buy it, but the coverage is going to START at $1,000 in premium. Per year. The reason agents are trying to sell you renters, is that’s the CHEAPEST, easiest way to get the most broad coverage for you.

Why pay more, for less coverage? That doesn’t make sense. Buy the renters, with the jewelry endorsement, with the ‘agreed value’ provision on it. Likely all together, it will cost you less than $400 a year. Less than half the cost of a stand alone policy.

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