elrohwen
Ideal_Rock
- Joined
- May 20, 2008
- Messages
- 5,542
I''m having some insurance issues with my engagement ring. The setting is new, but the stone is an antique and is chipped. We previously had it insured with Travelers, as part of our home insurance. We recently switched over to State Farm because it was cheaper, but they are unable to insure the ring because of the existing damage to the stone. They recommended Jewelers Mutual insurance, but as I was trying to sign up for that their website said they do not insure antique jewelry or anything damaged. Jewelers Mutual also requires the appraisal to be within the last 18 months - my appraisal was within the last 20. I''d really prefer to go with a company that doesn''t require me to get it re-appraised.
Now I feel kind of stuck. What other options are out there that will cover an antique stone that isn''t in perfect condition? Our other option is to just go back to Travelers for our home insurance because at least they''ll cover the ring, but I''d prefer not to do that if we don''t have to.
Now I feel kind of stuck. What other options are out there that will cover an antique stone that isn''t in perfect condition? Our other option is to just go back to Travelers for our home insurance because at least they''ll cover the ring, but I''d prefer not to do that if we don''t have to.