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Insurance to Protect an Engagement or Wedding Ring
 For some couples, the wedding jewelry can be covered on a basic homeowner's insurance policy, but should be separately itemized listings. Do not rely on your basic home owners policy to pay for your rings should they be lost or stolen in a fire. Most standard home owner’s policies have a personal property cap that will fall short of paying to
replace the average engagement ring.
The rings should be reappraised about every five years and the insurance coverage adjusted to reflect the current value. Couples should consult with their insurance to determine their needs-protection against theft and/or loss, and coverage if the whole ring is lost, not just the stone.
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