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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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Quote:
Originally Posted by felixdog View Post
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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