Where is the best place to buy replacement policy insurance for a ring? What should I expect to pay for it?

Question

Where is the best place to buy replacement policy insurance for a ring? What should I expect to pay for it?

Answer 1

You can just add it on to your homeowners or renters policy.  Check with your insurance agent for details and to get it added.  What you should expect to pay for it depends on what the ring is valued at, and what area of the country you live in.

Answer 2

You should contact whoever has your insurance policy either your homeowner's or renter's policy.  You can add coverage for your ring under a personal articles rider.  You just need to send them a receipt for the ring, and sometimes they want an appraisal as well.  You send that to them and then your insurance agent will let you know what the additional coverage cost is.  

It's pretty reasonable, I think about 20,000 of coverage costs about 300 a year.

Answer 3

We got ours through our renters and auto insurance company...it runs about 35 dollars a year for us!