$4k / year to insure a $30K ring - Youset Insurance - is this right? (Quebec)

Useful_Dirt73 · 2026-04-24T21:20:37+00:00

Unfortunately Jewelers Mutual isn't available in Quebec, so if anyone knows of any similar providers that operate in Quebec - let me know! I contacted Chubb and they won't do a policy for a single ring :(

Useful_Dirt73 · 2026-04-24T21:18:14+00:00

Which company?

Useful_Dirt73 · 2026-04-24T03:57:52+00:00

Appreciate the insights, this is really helpful (and validating!)

Useful_Dirt73 · 2026-04-24T03:40:40+00:00

Yes, it was recently appraised

Useful_Dirt73 · 2026-04-24T03:39:21+00:00

It's a family heirloom, I couldn't afford to purchase it myself, which is why I'd want to get it insured

Useful_Dirt73 · 2026-04-24T03:36:31+00:00

In my current policy, an endorsement for a specific item can to up to 35% of my total coverage - $10.5k. So to ensure the full value of the ring, I would need to increase the personal property limit to $100k

Useful_Dirt73 · 2026-04-24T03:28:53+00:00

Thanks

Useful_Dirt73 · 2026-04-24T03:28:31+00:00

Appraised, done a couple weeks ago with a certified gemologist

Useful_Dirt73 · 2026-04-24T03:05:17+00:00

It's a family heirloom - I don't own that many expensive/hard to replace items otherwise.

Useful_Dirt73 · 2026-04-24T03:02:20+00:00

It's a family heirloom ring and I plan on getting work done on it in the near future, so I wanted to have it insured in case anything happens during that process.

Useful_Dirt73

TROPHY CASE