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Old 08-25-2014, 05:55 AM   #1
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Default Jewelry and Homeowner's Insurance

I noticed Saturday that the diamond in my engagement ring had fallen out. Turns out it was not listed on our homeowner's policy. I have no idea why. I'm just sick. It was a gorgeous stone and there is no possible way we can replace it. This is just a reminder to check your homeowner's policy! Make sure your jewelry is on there, in case something like this happens.
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Old 08-25-2014, 06:43 AM   #2
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Oh no - why isn't it covered?
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Old 08-25-2014, 06:56 AM   #3
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Jewelry, guns, furs - these have to have pictures taken, copies of receipts etc and insured separately from your normal homeowners policy. Proof is needed, so false claims aren't made, as these are big ticket items.
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Old 08-25-2014, 06:57 AM   #4
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I guess we never specifically put it on the policy? I don"t know. I really thought it would be covered. I can barely function this morning. If I could leave work to go home and have a pity party I would.
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Old 08-25-2014, 07:13 AM   #5
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I am sorry for your loss. My first engagement ring diamond I lost. Some how I got it caught in the grill lid while closing it and the lost the diamond.

Took 2 years to get it replaced. Now all my diamonds are insured for only $26 add'l a year.

You have to submit a purchase receipt or an appraisal of each item you want covered. Jewelry insurance is an separate Rider.

I have my engagement ring, a small ring with 11 small diamonds and my small diamond earring on my policy for $26 a year.

This cover lost or stolen In and Out of Country.
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Old 08-25-2014, 07:25 AM   #6
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I just can't imagine how we didn't have this on the policy. Seems pretty basic. I guess it could still turn up, but it's the proverbial needle-in-a-haystack. I happened to look down when I got back from Kroger. I'm guessing a plastic bag got caught on a prong (the ring is 20 years old) and pulled it. I'll still be giving the monkey grass out front a good going through.
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Old 08-25-2014, 07:25 AM   #7
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Oh gosh, I feel sick for you. Hugs.
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Old 08-25-2014, 08:11 PM   #8
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How did you get it covered for $26/yr? When I inquired about my diamond it was $100 per month!!!
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Old 08-26-2014, 06:56 AM   #9
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How did you get it covered for $26/yr? When I inquired about my diamond it was $100 per month!!!
Karen
I sent a copy of the receipts of the three items I wanted insured into my insurance company, USAA. This is what I have been paying for Jewelry insurance for some years now.
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Old 08-26-2014, 09:06 AM   #10
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I am so sorry this happened! I found a diamond stud once in a fitting room and returned it. It wasn't all that big but the light caught it just right. I hope you have similar luck.

For others-while each company and policy is different I think there are some similarities. Many policies have a $500 limit on jewelry, art, furs (as Lazorkay mentioned above) and other high-value items. We have my engagement rings (second marriage but my daughter wants the first one someday) and both our wedding bands insured for about $230/year which seems to work out to about 1% of the value. We had the jewelry appraised by the local jeweler we use at no charge (but we did get our rings there) and are taking art to a gallery which will cost something but I don't know what yet. My insurance advice is don't assume it's insured because stuff like this happens all the time and I don't think agents think to specify that "high-value" items simply means over their allotted amount and might not be all that high of a number.
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Old 09-27-2014, 09:25 AM   #11
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Quote:
Originally Posted by duranfan View Post
I noticed Saturday that the diamond in my engagement ring had fallen out. Turns out it was not listed on our homeowner's policy. I have no idea why. I'm just sick. It was a gorgeous stone and there is no possible way we can replace it. This is just a reminder to check your homeowner's policy! Make sure your jewelry is on there, in case something like this happens.
So sorry this happened to you. Just a suggestion - have you thought about replacing the diamond with a nice simulated diamond? They have improved the quality of these stones as technology has advanced. A jeweler cannot tell the difference, unless they put the stone on a fancy electronic scanner machine.

I have a "diamond" set in 14 K gold that I wear on a gold chain. I get compliments all the time when I'm in jewelry stores about what a lovely stone it is.

I will never waste my money on real diamond jewelry again. I promise you - no one will be able to tell the difference.
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Old Yesterday, 07:20 AM   #12
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Thanks for the input. I really wouldn't have a problem with that at all. The budget is so tight right now we can't do anything, but I would love your recommendations on where to look/what to look for. I have my late father in law's wedding ring, which has 3 round stones that are just beautiful. I took them to a jeweler to see about having earrings made. He couldn't tell just be looking that they weren't real! And I love those stones. Perfect size and sparkleness. My husband immediately started looking for "real" diamond earrings for me. Which wasn't the point- I liked the idea of having earrings made out of something worn by someone I loved. And we couldn't afford "real" diamonds as big as these (not huge- just the perfect size!)
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Old Yesterday, 07:33 AM   #13
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Any jewelry store should be able to tell you if stones are real or not....free of charge. There is no reason why this jeweler could not test the stones for you while you were in the store.

I would suggest to go to another jewelry store.
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Old Yesterday, 08:37 AM   #14
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Hopefully it will turn up somewhere in the house.

A couple of years ago, I made a 60 small 5-flavor pound cakes for Christmas for gifts at our church. I notice during the service (and after I gave the cakes out) that I had lost an emerald out of one of my rings. I knew it was in the ring, when I made the cakes. So I had to go around to everyone that I had given the cakes to and tell them to be careful when they ate the cakes. The last thing I needed was for someone to choke on the emerald or break a tooth!!

A couple of days later I was driving to work, look down on the carpet because I saw something glimmering. Turns out it was my emerald. I was so glad, because the ring had been given to me my one of my aunts.
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Old Yesterday, 08:52 AM   #15
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Quote:
Originally Posted by lesliespringer View Post
Any jewelry store should be able to tell you if stones are real or not....free of charge. There is no reason why this jeweler could not test the stones for you while you were in the store.

I would suggest to go to another jewelry store.
Oh, he did test them- free of charge- he just couldn't tell by looking. Which tells me they really are nice stones, real or not
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Old Yesterday, 08:53 AM   #16
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Quote:
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Hopefully it will turn up somewhere in the house.
I'm still holding out hope it's in the grass out front (although we have looked). I'm hoping a prong got caught on one of the plastic bags as I was unloading the car. So glad your emerald turned up!
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