Bridal Guide 2009 11
Engagement advice: insure your ring
Metro Newspaper Service $1,000 on a stolen ring. If the theft or • Will the insurance cover theft or loss of
loss occurs outside of the home, you may the ring wherever it takes place, even if
I
f you've recently become engaged, you
may want to check your homeowners
not be covered at all. it occurs in a foreign country?
or renters insurance policy. That's Talk to an insurance agent to see if you • Can I receive a cash settlement for the
because your engagement ring may not can amend a policy or purchase other value of the ring, or must the ring be
be fully covered by that policy. insurance if you want to protect your ring replaced with another?
An engagement ring is a cherished gift
in case of theft or if it becomes lost or
• Does the policy cover repairs to
and one you will want to protect. No
damaged. Here are some questions to ask
damaged jewelry?
one wants to imagine their ring being
if you're considering jewelry insurance.
• Can I purchase a "valued at" plan if
damaged, lost or stolen, but the fact is • Is there a deductible on the insurance,
my ring is one of a kind and cannot
that these situations can and do happen. and if so, how much?
be replaced? This policy allows you
Typical insurance policies for your • Do I need to have the ring appraised for to value your ring at a higher dollar
home or apartment set limits for certain insurance? Can I use my own appraiser amount than its appraised worth.
categories of personal property, like or does the insurance company need to
jewelry. They may only cover $500 to handle the appraisal?
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