GENERAL PLANNING

Yes, Engagement Ring Insurance Is a Thing, and You Definitely Need It

Before you start planning out all your big day details, you’re going to want to figure out a way to safeguard that sparkler with wedding ring insurance. Read more:

What is Engagement Ring Insurance?
Wedding ring insurance is the best way to protect one of the most sentimental and valuable pieces of jewelry in your life. That way you can guarantee that your wedding ring is covered no in case it gets lost, stolen, or becomes damaged, which happens more often than you may think! So don’t risk it and have a peace of mind!
How much is ring insurance?

Ring insurance varies depending on which particular plan that you choose! On an average, its costs $1-$2 for every $100 that you want to cover (1-2%)--however different companies and plans may vary and might include plans where you can include multiple pieces of jewelry. Get a quote:

What does ring insurance cover?

Jewelry insurance policies provide comprehensive coverage. Coverage against scenarios—like your ring getting lost, stolen, or damaged.

Lost
Lost

Coverage against scenarios

Stolen
Stolen

Coverage against scenarios

Damaged
Damaged

Coverage against scenarios

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Does my ring insurance cover my other jewelry too?

Yes it can! Many companies not only cover your wedding rings but can also cover other pieces of jewelry that are very sentimental and valuable to you.

Best companies to insure your rings:

There are multiple companies and places to get your engagement ring insurance, it can sometimes become overwhelming. We’ve broken down the best places for you so you just have to choose which is place works for your needs and budget:

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State Farm
State Farm insures world wide--when you go on vacation, items such as jewelry and cameras are covered (fine art items are only covered within the United States and Canada).They’ll pay the cost to repair or replace your personal property, without deduction for depreciation. The personal articles policy insures against theft and accidental direct physical damage to covered property with some limitations and exclusions.
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Geico Ring Insurance
Your favorite pieces of jewelry aren't just metal and stone. They're reflections of who you are. It's devastating to have jewelry that represents special moments in your life get damaged, lost, or stolen. To help with that, GEICO Insurance Agency has teamed up with Jewelers Mutual Insurance Group. Your jewelry deserves protection from the company that's been protecting jewelry, and only jewelry, for over 100 years.
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Jewelers Mutuals
Jewelers Mutual has been the only insurer dedicated exclusively to jewelry and offers comprehensive repair or replacement coverage with worldwide protection against loss, theft, damage, and mysterious disappearance. Insuring your new purchase can be quick and easy, and gives you the freedom to wear your jewelry without worry, knowing it’s protected.
So basically...

Chances are you might not have even known that ring insurance was something you should consider during your engagement. So, hopefully we shed some light on why it’s pretty necessary and you’ll be looking into our resources soon. Keep that ring protected! In the meantime, check out the articles below for more insights on insuring your wedding jewelry.