Yup, agree with ponder!ponder|1451774172|3969777 said:Your insurance may cover it, but it might not be worth making a claim. I would check with the jeweler who made your ring or whomever you are using for maintenance of your ring to see what the out of pocket cost would be to repair the ring. A claim on what may be a minor repair may jack up your premium unnecessarily.
I had a baguette broken in two when my hand was shut in a door. The cost of the baguette was $20 plus the labor to replace it and reshape the ring.
Sorry for the brief distraction as I dive down a rabbit hole. I wasn't aware that USAA offered standalone personal property insurance. May I ask what state you're in? How long have you had this policy?unsettled|1451831434|3969980 said:Thank you all for the feedback and advice! Our homeowners insurance isn't with usaa but our auto and valuable personal property insurance is. I am going in Tuesday to have the jeweler look at it and give an estimate. Our policy doesn't have a deductible, but no. I am not even interested in using the policy if the repair is that inexpensive.
Edit: we know all about having insurance drop or not cover you. We had a claim for a water damage in 2004 and when we tried to get coverage in 2007, almost no one would insure us because of that 10,000 claim!
Honestly, I don't love the setting anyway. If the repair is going to be $300+ I may just move on to a different setting.
unsettled|1451831434|3969980 said:Thank you all for the feedback and advice! Our homeowners insurance isn't with usaa but our auto and valuable personal property insurance are. I am going in Tuesday to have the jeweler look at it and give an estimate. Our policy doesn't have a deductible, but no. I am not even interested in using the policy if the repair is that inexpensive.
Edit: we know all about having insurance drop or not cover you. We had a claim for a water damage in 2004 and when we tried to get coverage in 2007, almost no one would insure us because of that 10,000 claim!
Honestly, I don't love the setting anyway. If the repair is going to be $300+ I may just move on to a different setting.
tyty333|1451832882|3969989 said:unsettled|1451831434|3969980 said:Thank you all for the feedback and advice! Our homeowners insurance isn't with usaa but our auto and valuable personal property insurance are. I am going in Tuesday to have the jeweler look at it and give an estimate. Our policy doesn't have a deductible, but no. I am not even interested in using the policy if the repair is that inexpensive.
Edit: we know all about having insurance drop or not cover you. We had a claim for a water damage in 2004 and when we tried to get coverage in 2007, almost no one would insure us because of that 10,000 claim!
Honestly, I don't love the setting anyway. If the repair is going to be $300+ I may just move on to a different setting.
I have that setting with a pear. Honestly, it is the most difficult ring to find a non-matchy wedding band to go with, and in my
opinion baguettes are not very blingy. My SIL thought my baguettes were just part of the band (metal). Mine also sets very high.
I'my finally getting around to resetting my pear.
Hopefully, you can get it replaced inexpensively or...find a new setting that you like!