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You can't guarantee that love will go perfectly, but you can insure precious symbols of it. Putting an insurance policy on your engagement ring may sound unromantic, but nothing's sweeter than peace of mind. Find out what to look for when shopping for an engagement ring insurance policy right here.
What it is:
Ring insurance is best purchased as an extension (also called a "rider") for your renters' or homeowners' policy. Renters' and homeowners' policies cover the stuff in your home, but only up to a certain dollar value: Expensive, special items like engagement rings, art, and electronics are guaranteed through scheduled personal property coverage -- an insurance policy extension that covers particular items.
Who needs it most:
Any couple with jewelry that has high material or sentimental value -- whether your wedding and engagement rings cost $500 or $50,000, an insurance policy is a way of honoring not just their financial value but what they represent. The sentiment behind your rings is priceless, but the rings themselves can be replaced -- if they're insured -- in the event that something happens to them.