san diego searcher
Rough_Rock
- Joined
- Dec 25, 2007
- Messages
- 99
My State Farm agent told me that if I got personal articles policy with them to cover my diamond earrings that if I lost an earring they would replace the pair. We went back and forth via email with various questions and more recently she said if I paid an additional $20 per year premium they would replace both earrings if one was lost and they were not able to replace it (match it to other, I guess). She also said when we first talked that I should make sure I don''t cover the diamonds for a high retail price as they will only give me what they would have to pay to replace the earrings -- basically wholesale is what she said (or I could have them replace them for me). Assuming that I ever did lose one earring, I don''t see why I wouldn''t be able to find a stone to match it (assuming they would pay me an appropriate value for the lost diamond).
One of the reasons I wanted to go with State Farm is that I have my other insurances with them and I feel they somewhat know me. But if I was making a claim, would I be dealing with different people anyway? Does anyone have experience getting a jewelry claim paid by State Farm?
Frankly, I''m going circular on this and starting to think maybe I should just self-insure. I''ve never insured any of my other jewelry and never lost anything significant. I am just thinking of insuring diamond earrings as earrings are easier to lose than a ring for instance. Advice?
One of the reasons I wanted to go with State Farm is that I have my other insurances with them and I feel they somewhat know me. But if I was making a claim, would I be dealing with different people anyway? Does anyone have experience getting a jewelry claim paid by State Farm?
Frankly, I''m going circular on this and starting to think maybe I should just self-insure. I''ve never insured any of my other jewelry and never lost anything significant. I am just thinking of insuring diamond earrings as earrings are easier to lose than a ring for instance. Advice?