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

You said "yes" to your partner (and the gorgeous ring). Congrats! Now what? 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 engagement ring insurance. And while doing something so practical as purchasing ring insurance may seem a lot less thrilling than trying on wedding dresses or going to cake tastings, it's totally necessary. What if you drop your engagement ring down the drain by mistake or accidentally leave it at the gym? You're going to wish you had better protected your new prized possession. Luckily the pros at Jewelers Mutual Insurance Company have been in the business for over 100 years, so they know a thing or two about taking care of your ring. Here's everything you need to know about their coverage.

It's affordable: Sure, you might have homeowner's insurance, but what does that actually get you in terms of your engagement ring? Many standard policies and warranties will not cover jewelry damage and loss, which is why a policy just for your rock is so important. Plus, ring insurance is surprisingly affordable, which is why it's worth the investment to get that peace of mind. They get that life happens: The people at Jewelers Mutual® offer comprehensive coverage because they get that you're living life, not just admiring your new bling. You live in your ring and you're doing things with your hands all day long, so those gemstones may come loose and those prongs may get damaged. No matter what happens to your ring — from loss and damage to theft and mysterious disappearances — you'll be covered.

Their coverage extends worldwide: You wear your engagement ring every day. In fact, you feel weird when you forget to put it on before you leave the house in the morning. So why should your vacation days be any different? Well, with Jewelers Mutual, you'll be able to rock your ring wherever you go without any added anxiety or needing to pay any extra attention to your left hand. Regardless of whether you lose it or damage it on your honeymoon, on a business trip or on your way to brunch with the girls, you're all set.

You can get what YOU want: Some insurance policies force their customers to use specific jewelry repair and replacement companies. You've heard it all before: they need to be within their network and you'll need to get several estimates before you proceed with filing the claim. Not Jewelers Mutual! They believe that the suffering you feel after losing or damaging your rock is enough. They'll work with you to make sure the repair and replacement process is as easy (and as sweet) as pie. Plus, they'll work with your jeweler of choice, so if you had an old family friend or small town jeweler design the ring for you, they can be the one to make the replacement. Done and done. Are you convinced yet?

Get that ring insured now!