Quote:
Originally Posted by TurboFan
The rider on your homeowners / contents insurance shouldn't be more than about $5 per thousand dollars. So a $10,000 ring should run about $50/year for replacement insurance, as a rider. That will all be influenced by where you live, but my wife's ring is about half that where I live (much less crime than NYC).
You can get an appraisal from any decent jeweler. The one from which you purchased it should be able to give you an insurance appraisal.
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to be honest, that cost per year seems light.
every other tidbit seems on the money