Hi!
I've gotten the ring!
Now I'm trying to sort out insurance. I've looked into State Farm (who I have car insurance with), and they have a Personal Item policy that I can add.
However, there's different prices depending on deductible for a $35k appraisal (higher than what I paid).
- No deductible - $540
- $500 deduct - $400
- $1000 deduct - $320
Anyone have thoughts on this? I'm guessing with higher deductible, you do repairs all out of pocket and then use it for only lost/stolen full replacement?
Or would you recommend getting "No deductible"?
Or would Jewelers Mutual be better - I'm assuming they'll also have different options depending on deductible also.
Thanks!
I've gotten the ring!
Now I'm trying to sort out insurance. I've looked into State Farm (who I have car insurance with), and they have a Personal Item policy that I can add.
However, there's different prices depending on deductible for a $35k appraisal (higher than what I paid).
- No deductible - $540
- $500 deduct - $400
- $1000 deduct - $320
Anyone have thoughts on this? I'm guessing with higher deductible, you do repairs all out of pocket and then use it for only lost/stolen full replacement?
Or would you recommend getting "No deductible"?
Or would Jewelers Mutual be better - I'm assuming they'll also have different options depending on deductible also.
Thanks!