{"id":802129,"date":"2022-12-20T22:00:12","date_gmt":"2022-12-21T04:00:12","guid":{"rendered":"https:\/\/junebugweddings.com\/wedding-blog\/?p=802129"},"modified":"2022-12-16T09:56:50","modified_gmt":"2022-12-16T15:56:50","slug":"what-you-need-know-about-engagement-ring-insurance","status":"publish","type":"post","link":"https:\/\/junebugweddings.com\/wedding-blog\/what-you-need-know-about-engagement-ring-insurance\/","title":{"rendered":"What You Need To Know About Engagement Ring Insurance"},"content":{"rendered":"\n
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Image by Britt & Bean Photography<\/a>.<\/p><\/div>\n

Engagement rings<\/span><\/a> are a tangible representation of your forever love—so you want to ensure they last that long. When you pop the question, odds are you’re not thinking about all the potential “oopsie” moments that could happen. We’re talking about it getting lost, stolen, or even damaged. And while the sentimental value is irreplaceable, you can protect yourself by securing engagement ring insurance. <\/span><\/p>\n

If you’re not sure where to start, we’ve got you covered. From pricing to company options, here’s everything you need to know about purchasing engagement ring insurance. <\/span><\/p>\n

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Image by Ash Gabes Photography<\/a>.<\/p><\/div>\n

Engagement Ring Insurance Options <\/span><\/h2>\n

Deciding to purchase insurance for your <\/span>engagement ring<\/span><\/a> is the easy part. The rest of the details are a little unclear. That’s where we come in. Here are two avenues you can take when  choosing an insurance provider: <\/span><\/p>\n

1. ​​Homeowner’s or Renter’s Insurance<\/span><\/h3>\n

If you have homeowner’s or renter’s insurance, your first option is to add your engagement ring to your policy. It’s important to keep in mind that most companies will have a limit of liability in place. This means they will only cover your item up to a certain price point. Typically the max price range caps off at $1500, and if your ring comes with a higher price tag, you might require more coverage—bringing us to option two. <\/span><\/p>\n

2. Specialized Jewelry Insurance Companies<\/span><\/h3>\n

Maybe you don’t have homeowner’s or renter’s insurance. Or perhaps you don’t want to risk changing your current premium (cost of the insurance paid monthly or annually). If you find yourself in either of these positions, there are a variety of companies that specialize in jewelry insurance specifically. These companies typically don’t have a limit and offer more customizable insurance options. <\/span><\/p>\n

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Image by Nikki Daskalakis<\/a>.<\/p><\/div>\n

Jewelry Insurance Companies To Consider <\/span><\/h2>\n

If you’re looking into insurance companies that specialize in jewelry, you’ll have to find a company that meets your needs. You’ll want to consider pricing, limit of liability, claim processing, and so much more. Those critical details can be challenging to focus on when you’re met with a long, overwhelming list of company names on Google. <\/span><\/p>\n

To help limit your search time, we’ve rounded up some of the top-rated jewelry insurance companies you should consider: <\/span><\/p>\n