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Why Your Engagement Ring Needs Extra Insurance

“Will you marry me?”

Popping the question is one of the most momentous moments in a couple’s life – and the accompanying presentation of the engagement ring is just as much a part of it as the future envisioned together.

But it’s not just about sentimental value. Diamond engagement rings are valuable pieces of jewelry in their own right.

RELATED: how to protect your wedding celebration

Proper insurance can help replace it in the event of loss, theft or damage.

And while your home or renters insurance may cover jewelry to some extent, chances are something as costly as the engagement ring will not be adequately protected due to the limits.

That’s why adding a rider – or scheduling the jewelry – onto your current policy is your best coverage option.

Jewelry Insurance Coverage

Jewelry insurance covers the full gamut: necklaces, bracelets, anklets, earrings, and rings, including your diamond engagement ring. The coverage can shield you from losses and damages incurred from a variety of circumstances.

It can include:

  • When your jewelry damaged by an unexpected event – not from wear and tear over time
  • When you lose your jewelry
  • When your jewelry is stolen

Be aware that if a soon-to-married couple is not yet living in the same household, the bride to be should insure the ring so that it will be covered under her individual policy.

For further information about engagement ring or jewelry insurance, contact an experienced agency.

PRIME Insurance is a three-generation family-run independent agency. We’re proud to partner with many of the leading underwriters – recognized companies like ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, THE HARTFORD, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!

 Summary: “Will you marry me?” Whether it’s a Valentine’s Day episode or on your agenda for any other day on the calendar, it's important to remember that the accompanying diamond engagement ring needs special insurance coverage.


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