Insurance/Eternity band ??

[babyness]

I will be getting my wedding bands very soon. They will be stacking. 1 full diamond eternity, 1 full black diamond eternity, and 1 white gold band.
My question is really for the diamond eternity band. Do I need insurance on this? I do have my e-ring insured, but not sure on whether to get the band insured also. The specs that I can remember on it: .74ct, F-G range, not positive on the clarity. It didn't coast a ton, but...
How many of fellow PS'ers have heir bands insured?

 

[AllyD]

I have my eternity band insured. I have over 1 carat of diamonds and about 2.5 carats of sapphires. Quality of the diamonds are G, VS. I feel better having it insured. It wasn't inexpensive, so if I lost it, that would be a good amount of money lost. I guess it all depends on how you feel.

 

[Matthewmon]

please post pics of those rings when you get them!

 

[lovemybling]

My question would be, would you be able to afford to replace them if something should happen to them? If you think yes, then there probably isn't a need to insure. If no, then I would check to see the cost of adding them to your insurance.

For me I have anything that cost me over $2000 insured. I know that I don't sit on that kind of money (like new bling to much ) so it is worth it to insure those rings.

Good Luck

 

[babyness]

Okay, so I did some price quoting on Jeweler's Mutual. That's who I have for my e-ring.
For just the diamond eternity, it would approx be $30.00 (their minimum annual premium), BUT if I add the black diamond ring, which I wasn't really considering insuring, cause it was kinda on the cheaper side of things, it would only go up $2.00 more.
So $32.00 for 2 rings.
I think I will insure both now just for the piece of mind. Thank you guys for your opinions and help!

 

[diamondringlover]

I have my band insured, it is a 5 stone .75ct VS1 F color and I cannot afford to replace it so it is insured, I think it was a good call to insure your bands.

 

[motownmama]

BTW - my homeowners covers any piece up to $5000; I have riders for the items above 5. Good luck! Can we see these rings???

 

[babyness]

BTW - my homeowners covers any piece up to $5000; I have riders for the items above 5. Good luck! Can we see these rings???

I don't have them yet. Hopefully they will be ready next week sometime, but I def. will take a pic of them.