if son is a resident yes - depending on cause of loss
if son is non resident - no not covered - he needs his own policy
Yes, 100% coverage if you covered it with a rider. If not, than a small % as allowed by your policy subject to your deductible.
It just depends on whether you scheduled your diamond ring for coverage on your policy. If the diamond ring was scheduled as a covered item on your home insurance policy then it will be covered. If you did not schedule the ring and or did not pay the premium for fine jewelry coverage then no, it will not be covered.
If it is scheduled on your policy and premium was paid, the wedding ring would be covered for the perils specified on the policy.
I doubt it, unless you have an inland marine policy (and you ask about H.O.), it is not a coverd peril. I'm so sorry.
An engagement ring insurance may be covered by a homeowners' policy. However, this depends on the value of the ring. If the homeowners' policy does not cover the engagement ring, a policy extension for personal property coverage is needed. Alternatively, there are insurance companies which specialize in insuring jewelry.
It depends somewhat on your insurance policy. Generally if you had the ring listed on a jewelry floater attached to your homeowners policy then it would be covered without a deductible. To do this you would have had to supply the company with an appraisal with a full description of the item and a dollar amount that it is valued at. You also would pay a small additional premium. This type of floater add coverage for "mysterious disappearance" which means it's covered if you just loose it say in a bathroom when you take it off to wash your hands and its gone. This would not be covered on a normal homeowners policy unless there was evidence of break-in and theft. This is advised for large value pieces of jewelry, art, coin collections, guns, and other high value items that have a limit on your regular policy.
It depends upon the value and whether you think you're likely to lose it or have it stolen. Insurance for jewelry, typically covered under a separate "rider policy", varies based upon the terms. To investigate, consider contacting whoever provides your home or renters insurance to ask what they suggest to insure a ring worth xxx dollars. The cost of the policy may help you determine whether you want to pursue getting one - especially if the cost to insure it over time exceeds the value of the ring.
No.
You can claim it, but it doesn't necessarily means that it will be paid. In other words, the first thing to consider is the peril or act that caused the ring to disappear. If the peril is listed as covered under you policy, then the loss may be paid, if not, then the story ends here. In the event the peril was listed, then you have to look at the limitations. Loss of jewelery is often limited to a specific amount depending on the policy, which could be anywhere from $2,500 to $10K. So if the ring falls within that value, you may expect to get something, but remember to deduct the applicable deductible first. But personally, I feel that your chances on collecting for that missing ring are slim to none. Good Luck anyway!
I don't have a white ring under my tongue.
There is not hidden doors under the ring they just sit under there.
It is a brand. W & B MAZZA & SONS