essential guide

Wedding Rings

What to ask the insurance agent

  • How much does the policy cost?
  • Is an appraisal necessary for full coverage?
  • Will the insurance company take care of the appraisal? If not, who should?
  • Is the policy all-risk (partial loss, damage, mysterious disappearance, theft)?
  • Am I still covered if there is negligence or carelessness?
  • What is the deductible for loss or theft (etc.)?
  • If my ring is stolen, does the policy offer replacement or reimbursement?
  • What isn't covered under my policy (think heirloom stones and special designs)?
  • Are there special considerations or exclusions?
  • If there is damage, can I replace it or will I be limited to repair?
  • Will insurance cover all repairs? Who will make the repairs? Will it be someone provided by the insurance company or can I use my own jeweler?
  • What paperwork is required for documenting a claim?
  • What kind of proof is needed to justify a claim?
  • If I make a claim, will insurance cover it for its full value or only the replacement cost?
  • Will the reimbursable be in cash or will the insurance company itself replace the ring and send it to me?
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