Got Insurance?

With all the list of things to do for my wedding, I did not think of needing insurance for my engagement ring. When I signed up for The Knot, reminder checklist for my things to do for planning, the first thing on the list was to get my ring insured. So after being engaged since December 26, I finally took the ring paperwork to work last week and faxed it to my insurance agent to have the ring added to our (Chuck and I) homeowners insurance. Well to my surprise I received the adjusted homeowners insurance today in the mail with the addition of the ring. I was thinking that it would be lot more for us to pay a month due to the appraisal of the ring, but it just added a whole $8.00. I think I can swing that.

In looking at the insurance paperwork, I noticed a few things that the company would not replace my ring for,

• In case of rebellion or civil war
• Confiscation by customs
• If the ring is damaged by any weapon deploying atomic fission of radioactive force.
• Loss due to insects.
• Seizure of destruction under quarantine.

I could not believe that these were listed under my policy of coverage. I want the persons job at the insurance company that sits and thinks of these things, so that the insurance company does not have to replace anything but continues to charge you premiums. Of course, there more than just these but I found these to be the oddest. I am sure that my anal retentive fiance' Chuck will be happy to see the paperwork sitting on the table when he comes home. Now only if I can get him to find the paperwork for our home security system that I need to fax to the insurance agent so that we can get a discount. Well, one more thing off of my 1,000 things that I need to do.