- 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?
essential guide
Wedding Rings
What to ask the insurance agent
Ratings
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