Jewlery Insurance

[LvnMyLVs]

My jewelry is all added to my homeowners insurance... but it's a separate policy with each individual piece 'scheduled'.

 

[VuittonsLover]

All State.

 

[Krysta]

We use State Farm for our renters insurance so we took out a personal articles policy with them to cover my E-ring.
I looked in to Chubb jewelry insurance as well, they're highly recommended but their premiums are quite high.

 

[lorihmatthews]

We added my ring to our policy as an addendum, it's under Nationwide. I've never heard of any company not insuring rings over $20K.

caxe, yes, you should insure your ring.

 

[oogiewoogie]

Lloyds of London

 

[Charlie]

Mine is added to my homeowner's policy.

So is mine, we do rent though. We have AAA.

 

[LeeMiller]

Chubb.

 

[heat97]

Liberty Mutual -- (mine is added as a rider to my homeowners insurance.)

 

[PorscheGirl]

Jewelers Mutual. They are excellent! I lost a tanzanite necklace and they replaced it without hesitation. My diamond studs, which are significant, are insured with them, as well as all my other jewelry.

 

[meluvs2shop]

mine is also with chubb

 

[LaurieLou]

Mine in under my homeowners (State Farm) as a personal articles policy. I have several policies for different pieces of jewelry. They will insure for any amount as long as you have a certified appraisal. I've never heard of a cap of 20K.

 

[pursemember]

hiscox i have nothing but positivs things to say about them i do have a lot of policies with them and they are promt attending and there are no excuses if there is a claim they are beyond fair

 

[guccissima]

Thanks for all your responses!! Everyone should insure their precious rocks!

 

[sfgirl]

Does anyone have their bling insured. I was asking my SA about it and she said she doesn't even have hers insured. I was curious because I was thinking of insuring some of my more expensive pieces

 

[Loganz]

Yes I do; it pays off too...I lost a .86ctw dia stud earring in NYC 2 years ago. I filed the claim, submitted photos of the matching earring, receipt from store, and they cut me a check within 2 weeks of filing the claim. I now have a matching set of studs again - at no cost to me.

To get the policy we added a valuable personal property rider onto our auto and homeowners policy. The monthly cost is negligble when compared to the cost of jewelry replacement. To be sure I get full value for my pieces, I did get independent appraisals for everything valued over $2500 ($2500 is their coverage payout without appraisal/no documentation needed). Obviously, you would want to know what your insurer's max payout is without documentation, and then get them the appraisals for all jewelry valued over that amount.