Speaking of diamonds and Jewelry

Boys r us wrote: Do you have your jewelry ..or at least your engagement ring insured?
and if so, does your insurance agent require you to have it inspected every so often?

I have mine insured and I always heard that ins co made you have them inspected to make sure the stones weren't loose and all of that, but mine has never asked me to do that..

coasterqueen replied: All of our jewelry...which isn't much is insured. I do not know whether our insurance requires it to be inspected or not but the jeweler we bought our jewelry from requires it in order for our warranty to exist. We have to do it like every 3 or 4 months or something like that.

Josie83 replied: No, I haven't actually! xx

JenniferAllen replied: I have the warrenty with the jeweler; I think it calls for it to be inspected twice a year. However, whenever I get it cleaned, I get it inspected. It's not worth a lot in money, but sentimetally I'd be crushed if something happened to it.

Jamison'smama replied: Our insurance company doesn't require inspection but our jewler does for warrenty through them. THe insurance co only required the jewelry to be appraised.

gr33n3y3z replied: Our insurance company only requires the jewelry to be appraised and that has to be done once a year because the appraised items may go up or down in value

My2Beauties replied: You know I don't know, I'll have to check on that but mine is insured and my diamonds are under warranty! Hmmm....

Kaitlin'smom replied: well being and insurance person yes I have my important pieces insured, and we dont require it to be inspected, just an appraisal. However for my own protection I have it cleaned about once a month and he looks at it then.

Boys r us replied: I'm bad about it!!! Last year fro xmas DH got me a really nice electric jewelry cleaner, so I pop them in there all of the time..and avoid going to the jeweler to have it done now..which means no one ever looks at them to make sure they're not loose. which is bad..lol..I know!!
But I just take the lazy philosophy, I have insurance..so..if it falls out, it falls out!

coasterqueen replied:
That reminds me of last month I was laying on the couch with Kylie and I look down for something and there is my diamond out of my wedding ring laying right there on the couch. I had just had it cleaned and inspected the month before.

See for me I would have been absolutely crushed if I hadn't found it...that sentimental thing I had explained before. DH on the other hand, thought I should just tell his insurance agent (his dad) that the diamond was lost so I could get a new one. Duh, of course he would say that. I didn't do that though.

Ironically when I went to take my ring in to have the diamond reset they told me it was going to be $85 to do it. I was like "huh, I have a warranty on this". They said it doesn't cover replacing the prongs on the set....only covers the ring if the diamond was lost. Soooooooooooo if I would have said it was lost I would have gotten a new diamond from them. WTF????? I was sorta p'oed to have to spend $85 too!

Jamison'smama replied:
Same here--I have to have my prongs replaced every few years and it is quite expensive depending on how many they have to do--The first time I felt the same way...I have a warranty...and if I don't replace the prongs when they tell me too, they don't sign the warranty card so it feels pretty screwy!

Boys r us replied: Mine is sentimental...but I'd be more inclined to act like Ryan! LOL
then maybe have the original set in a necklace or cut into nice stud earrings! LOL
Now, before I got it insured, I was paranoid as you know what about losing one of the diamonds..so was DH..he was always on me to get it insured and I kept saying, I will I will..took me about 4 months before I did! and everyday I thank my lucky stars I didn't lose any of the diamonds along the way or DH would have probably shot me..paying for my funeral would probably have cost less than replacing the stone, so yeah that's probably what he would have done!! LOL
I have forgotten my rings a few times though..I have a friend who makes me take my engagement ring off everytime we're together, so she can wear it(she's silly) and once I went home and forgot to get it back from her. Then the day before yesterday, we had some ladies come in and do a spa thing for some of us here at work, well one of the things they did was a dead sea salt hand thing and also a hand massage, so we all took our rings off. well when it was done, I just went back to my desk and my boss came walking over about an hour later and was like...Uhh are you missing something??????? I almost cr*ped my pants when I saw what she had in her hands! LOL
I'm so absent minded!

Maddie&EthansMom replied: My SIL stole my wedding rings.... I contacted our home owners insurance, but they needed an appraisal and receipt from the jeweler. A family friend who is a jeweler specially made my ring for Scotty. Scotty never contacted him for the information. So, they are gone....forever. I have a plain wedding band now.

coasterqueen replied:
Haa haa. I usually take my ring off everytime i wash my hands. Don't know why but I do. Well when I was pg with Kylie I was forever leaving my wedding ring in the girls bathroom. This building is big and has many many different offices in it. Luckily our bathrooms require a key and a women had seen me leave so she knew whos ring it was and returned it to me. THe other times I left it in there I remembered like 15 minutes later and ran back to the bathroom to retrieve it.

I figured this time around being pg I don't want to do the same thing so I just leave my ring on when I wash my hands.

coasterqueen replied:
Aimee that is horrible that your SIL stole your rings!!!!!!!!!!!!!!!!! I would have kicked her butt!

My2Beauties replied:
Same here

darrylswifeskylersmom replied: AIMEE... im sorry your SIL
thats harsh!

Maddie&EthansMom replied: I still want to kick her butt! I can't stand her! This is DH's sister, btw. It is so painful still to think about. I loved my rings. They weren't big or anything, but they were perfect.

Kaitlin'smom replied:
oh how awful of her

Boys r us replied: Aimee!!!!!!!! That's incredibly INSANE! His own sister stole them? Did she admit to it?

Maddie&EthansMom replied: No, she never admitted it, but there is not a doubt in my mind that she was the one who did it. I would never accuse anyone of something like that unless I had all the facts and knew beyound a shadow of a doubt that they did it. I did call her and accuse her. I begged her to tell me what pawn shop they were at. She wouldn't.

Now, my question to you is: If someone called you and blamed you for something like this and you KNOW you didn't do it, would you ever talk to that person again?

My point is, she still comes around and acts as though we are best friends. If someone accused me of stealing their wedding rings and I didn't do it, they would never see my face again. Family or not.

ediep replied: I just had my appraised again since we got new insurance, it does not require inspections.


Aimee---that is so horrible!! I would be heartbroken, as I am sure your were/are. I wouldn't speak to her again, I can't eben believe that she still comes around. What does your Dh think?

Maddie&EthansMom replied:

MY DH hates his sister. She wasn't supposed to be at our house that day. She had stolen some things from us before then, too (perfume, makeup...replaceable items with no significance or value) We invited his dad over and he brought her with him She has a daughter whom I adore and I would hate to go without seeing her b/c her mother is an idiot. DH will never get over it and will never forgive her. He doesn't want anything to do with her or her daughter and now he won't even go see his dad or invite his dad over b/c we know he will bring her with him. She lives with her dad. It is a big mess. I try not to think about it b/c it will ruin me if I have hate in my heart. KWIM?

MyBlueEyedBabies replied: I have my ring insured through home owners insuance...they do not require inspection, byt the jewlery store that will fix anything that breaks requires inspection every 6 months.