https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Mon, 13 Jul 2026 01:31:27 +0000 https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1639755 Fri, 16 May 2014 12:00:15 +0000 bushelandapeck 1639755@https://boards.hellobee.com/ <p>Ours is $250 ish a year just for my e-ring. Total for the homeowners is $1000 ish. </p> https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1639739 Fri, 16 May 2014 11:57:37 +0000 gingerbebe 1639739@https://boards.hellobee.com/ <p>Obviously it depends on how much your ring is worth, but we pay $120 a year on mine. </p> https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1639557 Fri, 16 May 2014 10:44:52 +0000 Boheme 1639557@https://boards.hellobee.com/ <p>$150/year for $15k coverage. Reappraisals optional. I lost my e-ring for over a month, and I got it re-appraised when I found it because I noticed prices had gone up. Our policy stayed the same. </p> https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1639438 Fri, 16 May 2014 10:14:09 +0000 2PeasinaPod 1639438@https://boards.hellobee.com/ <p>Holy cow...that's a whole lot of money for just your e-ring. I have my e-ring, my wedding band and my grandmother's e-ring on my separate insurance policy and pay a premium of about $130. </p> <p>All 3 rings were appraised and I want to say that the appraisal for all 3 together was $15,000. </p> https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1639424 Fri, 16 May 2014 10:11:14 +0000 PurplePumps 1639424@https://boards.hellobee.com/ <p>Wow, that sounds really high unless you have a 30k e-ring. I think it's typically about $10 per $1000 of value. We pay about 130 for a 13k appraisal. I've never had to have it reappraised. </p> https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1639388 Fri, 16 May 2014 09:59:45 +0000 sunny 1639388@https://boards.hellobee.com/ <p>We are insured through State Farm and it is around $100 per $10,000 of coverage per year. </p> <p>Omg I would love to pay $200 for my home owners.... Mine is over $1000 a year! </p> https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1639317 Fri, 16 May 2014 09:41:14 +0000 septca 1639317@https://boards.hellobee.com/ <p>We have to have ours on a separate rider (the coverage is much worse if it's not separate). I have all two rings covered together - it's about $125/year for $30,000 of coverage. The rider I have is the more expensive of two rider options my insurance offers - the option we have allows you to get the cash value OR a replacement ring made (which could be more than the cash value). We have to re-appraise every 5 years.</p> <p>Like @LindsayinNY said, there is a limit to what your normal policy covers, so our (nice) watches are covered, but my jewelry had to go separately. </p> https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1639281 Fri, 16 May 2014 09:28:24 +0000 Meridian 1639281@https://boards.hellobee.com/ <p>Initially we were paying $450/year (State Farm, and we have all our cars, condo under SF too), but felt that was way too much. So they let us lower the value of the ring - we just picked an amount that was $5K lower than the original appraised value - and that brought it down to $275 or something around there. </p> https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1639190 Fri, 16 May 2014 09:07:11 +0000 LindsayInNY 1639190@https://boards.hellobee.com/ <p>We have my engagement ring and both of our wedding rings on a separate rider. We pay $300 a year for all of them.</p> <p>There's usually a cap on what can be covered under your homeowner's policy. Ours exceeded that amount so we needed a separate policy.</p> <p>I think insurer's require a recent appraisal. I remember one of mine saying within the last 18 months? So it's possible that you might need it re-appraised. </p> https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1638473 Thu, 15 May 2014 21:07:44 +0000 SweetiePie 1638473@https://boards.hellobee.com/ <p>@Foodnerd81: :grin: haha yeah, it was explained to me in a similar analogy but I forget what it was exactly. </p> https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1638417 Thu, 15 May 2014 20:54:53 +0000 Foodnerd81 1638417@https://boards.hellobee.com/ <p>@SweetiePie: Actually that does make sense. We aren't going to leave the condo in a locker room or something. :silly: </p> https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1638358 Thu, 15 May 2014 20:44:32 +0000 Rockies11 1638358@https://boards.hellobee.com/ <p>Mine's 200 and it was appraised at 12000 </p> https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1638349 Thu, 15 May 2014 20:41:55 +0000 jetsa 1638349@https://boards.hellobee.com/ <p>my ring rider is like $30 per year and I haven't got it reappraised since 2009 </p> https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1638326 Thu, 15 May 2014 20:36:28 +0000 DillonLion 1638326@https://boards.hellobee.com/ <p>Like 150 for the year, I think. Value is like...10k? I can't remember the appraisal value. </p> https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1638310 Thu, 15 May 2014 20:32:03 +0000 SweetiePie 1638310@https://boards.hellobee.com/ <p>Ours is really high (not even going to post it). But it was explained to me that rings and jewelry have a higher premium or whatever because they are more likely to get lost or damaged. The risk to the insurance company is higher. </p> https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1638233 Thu, 15 May 2014 20:14:00 +0000 Foodnerd81 1638233@https://boards.hellobee.com/ <p>Apparently our home owners policy is $200, and the rider just for my ring is $100!? Seems crazy. My ring is not worth half of our home! </p> https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1638187 Thu, 15 May 2014 20:01:34 +0000 Smurfette 1638187@https://boards.hellobee.com/ <p>I don't remember! But I don't remember it being very much. </p> https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1638185 Thu, 15 May 2014 20:01:12 +0000 Bao 1638185@https://boards.hellobee.com/ <p>I want to say we pay $30-$50 a year </p> https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1638178 Thu, 15 May 2014 20:00:23 +0000 Mamasig 1638178@https://boards.hellobee.com/ <p>About $140 a year and it's valued at around $11,000. </p> https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1638156 Thu, 15 May 2014 19:51:04 +0000 blackbird 1638156@https://boards.hellobee.com/ <p>About $70/year </p> https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1638109 Thu, 15 May 2014 19:39:53 +0000 Torchwood 1638109@https://boards.hellobee.com/ <p>Just asked, and DH says we pay around $30/year (if it matters, it's worth around $3,000 (which freaks me out when I think about it, because that's what I paid for my first car!)). I've also never had to have it reappraised, and I've had it right around 5 years. </p> https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1638015 Thu, 15 May 2014 19:23:34 +0000 MrsH 1638015@https://boards.hellobee.com/ <p>i'd have to look up how much the rider costs but i dont think it is anywhere near that. It might be to your benefit to have it reappraised as the cost of gold has gone up (if it is gold). </p> https://boards.hellobee.com/topic/if-you-have-your-e-ring-on-a-separate-insurance-rider#post-1638008 Thu, 15 May 2014 19:22:04 +0000 heartonastring 1638008@https://boards.hellobee.com/ <p>How much do you pay for it annually? And does your insurer require you to get it appraised regularly? How often?</p> <p>We just got our annual home insurance statement and while our home insurance is around $900/year, my ring is an additional $350, which is outrageous to me. They also want me to submit a new appraisal for it, which is super annoying to me (it was last appraised five years ago)</p> <p>So I'm wondering what others' situations are so that when I call my insurer to complain I have some stats to hit them over the head with :) </p>