Wedding Flowers

One of the top ten wedding insurance claims is for lost wedding rings.  How terrible is it to get to that big day and realize you have lost the rings?  Did you have them insured?  If not, you can still go to the jeweler, but it’s on your dime.  If so, it should only take a little time to run to the jeweler and get another set of wedding rings for the ceremony, and your expense will be covered under the wedding insurance.  Do you know how to claim a lost wedding ring on insurance?

How to Claim a Lost Wedding Ring on Wedding Insurance

Your wedding insurance, assuming you took out a policy, should cover your wedding rings for seven days before and 24 hours after your wedding day.  This is typical of a wedding insurance policy, but some might be different, you will need to check your specific policy.  Whether your rings are lost or stolen or damaged within this time period you will be able to claim and replace them.

You will need to acquire a wedding ring insurance claim form from your insurance provider and fill it out carefully.  The form will ask you about your personal information and policy information.  You will then be asked to fill in the specific details about what happened to your wedding rings.  Be as specific as you can and be honest about what happened.  Dishonesty on an insurance claim form is fraud and you can get into a lot of trouble for insurance fraud. You will also need to make sure that you have kept the receipt for the rings.

Most wedding insurance will only cover the rings to be exchanged between the bride and groom on their wedding day.  This means that the engagement ring is not going to be covered, nor are the diamond earrings you borrowed from Aunt Sissy, or any other jewelry you are wearing or plan to wear.  Once again, policies differ so check yours to see what exactly your coverage entails.

How to Claim a Lost Wedding Ring on Homeowner’s Insurance

If you’ve lost your wedding rings before the week prior to your wedding or after 24 hours beyond your wedding day, then you will need to claim this on your homeowner’s or renter’s insurance if they are covered.  You may be shocked to find out that most homeowner’s insurance policies do not cover lost jewelry.  Some will cover stolen jewelry, but still only a select few policies do.

The best kind of insurance you can have for your wedding and an engagement ring is a policy that covers personal property individually.  You can check with your homeowner’s insurance provider to see if something like this can be added to your current policy, and therefore save some money on the premium.  If it cannot, then you should shop around for the right insurance to cover your wedding and engagement rings.

A wedding ring insurance claim form will need to be filled out for these insurance options as well.  The same suggestions apply here as was mentioned if filing with your wedding insurance.  Honesty is the best advice I can give when telling you how to claim a lost wedding ring on insurance.

References:
Insure4Less; Wedding Claim Form
Suite 101; Securing Wedding and Engagement Ring Insurance
Wedding Insurance; Wedding Insurance FAQ