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mommy2be716
LIF Adult
Member since 1/16 2921 total posts
Name:
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insurance/engagement ring question
I have a halo engagement ring setting and noticed one of the little diamonds surrounding the center stone is missing. I have insurance coverage for lost/stolen jewelry, but does it cover something like a stone missing? I know it will cover if my entire ring disappeared or was stolen, but i'm not sure what to do in this situation... It will probably be pretty chep to replace, but if I could get it covered I would obviously prefer that! lol
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Posted 7/15/18 9:35 PM  |
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MichLiz213
Life is Good!
Member since 7/07 7979 total posts
Name:
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insurance/engagement ring question
Do you have a deductible? Depending on that, it may be cheaper to pay out of pocket.
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| Posted 7/15/18 9:46 PM |
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mommy2be716
LIF Adult
Member since 1/16 2921 total posts
Name:
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Re: insurance/engagement ring question
Posted by MichLiz213
Do you have a deductible? Depending on that, it may be cheaper to pay out of pocket.
we have it under our homeowners, so I believe there is a deductible.. Chances are it's not going to cost a whole lot to fix, but i was just kind of curious as to whether a part of a ring missing still counts, or if the entire piece of jewelry needs to go missing for insurance to cover
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| Posted 7/15/18 10:06 PM |
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alli3131
Peanut is here!!!!!!
Member since 5/09 18388 total posts
Name:
Allison
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insurance/engagement ring question
If you only have lost/stolen then probably not. Also there is ga general jewelry section but usually has a sub limit that is super low unless you added coverage for the expensive stuff
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| Posted 7/15/18 10:18 PM |
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Re: insurance/engagement ring question
Posted by mommy2be716
Posted by MichLiz213
Do you have a deductible? Depending on that, it may be cheaper to pay out of pocket.
we have it under our homeowners, so I believe there is a deductible.. Chances are it's not going to cost a whole lot to fix, but i was just kind of curious as to whether a part of a ring missing still counts, or if the entire piece of jewelry needs to go missing for insurance to cover
In that case, you would have a deductible I don’t think it covers if it “breaks” only if you were robbed and ring was stolen or if you lost it. I would just bring it to the jeweler you got it from, will likely cost a few hundred or less to replace it depending on the size. Sometimes they won’t even charge.
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| Posted 7/16/18 7:08 AM |
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PhyllisNJoe
My Box Is Broken
Member since 6/11 9145 total posts
Name:
Phyllis
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Re: insurance/engagement ring question
Posted by TwinMommyToBoys
Posted by mommy2be716
Posted by MichLiz213
Do you have a deductible? Depending on that, it may be cheaper to pay out of pocket.
we have it under our homeowners, so I believe there is a deductible.. Chances are it's not going to cost a whole lot to fix, but i was just kind of curious as to whether a part of a ring missing still counts, or if the entire piece of jewelry needs to go missing for insurance to cover
In that case, you would have a deductible I don’t think it covers if it “breaks” only if you were robbed and ring was stolen or if you lost it. I would just bring it to the jeweler you got it from, will likely cost a few hundred or less to replace it depending on the size. Sometimes they won’t even charge.
Bring it to the jeweler you bought it from. My DH lost one of the diamonds in his wedding band and they replaced it no charge.
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| Posted 7/16/18 10:24 PM |
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mommy2be716
LIF Adult
Member since 1/16 2921 total posts
Name:
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insurance/engagement ring question
the jeweler dh got the ring from is in the diamond district so it's a hike... might just go to tri county
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| Posted 7/17/18 5:30 PM |
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Smileyd17
kids
Member since 5/05 20997 total posts
Name:
Mommy
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Re: insurance/engagement ring question
Posted by alli3131
If you only have lost/stolen then probably not. Also there is ga general jewelry section but usually has a sub limit that is super low unless you added coverage for the expensive stuff
lost or stolen stones as well as broken stones, are covered but need to meet deductible.
Message edited 7/18/2018 10:48:39 AM.
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| Posted 7/18/18 10:48 AM |
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Marbo
LOVE
Member since 7/08 2374 total posts
Name:
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Re: insurance/engagement ring question
Probably not worth it to claim on insurance. I had a small side stone fall out back when I first got my ring and my ring was also from Manhattan. We just went to a local jeweler and it was only $35...I was shocked how cheap it was.
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| Posted 7/18/18 2:52 PM |
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mommy2be716
LIF Adult
Member since 1/16 2921 total posts
Name:
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insurance/engagement ring question
update: got it fixed- was $50
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| Posted 7/22/18 7:10 AM |
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