Quote: Originally Posted by beachbride So, since I haven't done this yet.... Do I have to get my ring appraised first, or do they go by what you paid for the ring... My e-ring, and both our wedding bands are insured through our home-owner's insurance. The company we use is escaping me right now, Hanover maybe? Anyway, the insurance company had to have copies of the original appraisals on hand before they would insure it. I'm not sure what our rate is per thousand, but I think my e-ring costs like $180 a year, and our wedding bands were another $80 or so. When you consider the cost of replacing the ring it's not bad.