Arbor Financial Group Marketing Engines, Inc.

Are Wedding Rings Covered Under Homeowners Insurance?

YES! It's done in the name of love.

It's a rare bride who hasn't from time to time taken her rings off to wash her hands or to play on the beach, or for any one of a hundred other reasons that cause her later to say "Why in the name of God did I ever take off my rings?"

Look, it happens. And when it does, you feel heartbroken. If you're lucky, some kind person will find those rings and return them to you, but if that doesn't happen, then you can still replace them using your homeowners insurance or contacting a wedding ring insurance company.

It doesn't sound all that romantic, insuring your wedding rings, but it makes sense, and here's how it's done.

Ring Insurance

Engagement ring or wedding ring insurance comes as an extension, or a rider, on your rental policy or homeowners insurance. Expensive items are guaranteed through personal policy coverage which caters to specific items in homeowners insurance policy.

If your ring is worth a lot of money, or it has a lot of sentimental value to you, then it can be replaced through wedding ring insurance if something happens to it. Of course you'll have to keep the receipts, and it would be great if you had an appraisal from a gemologist. Diamonds go up in value, and the ring that you bought ten years ago might be worth a good deal more today as far as buying homeowners insurance.

If you don't have a homeowners or a renter policy, you could still insure the ring through your jeweler. Ask questions about the coverage they provide, though.

Questions to Ask

Is your ring insured against accidental loss or only against theft?

How will the ring be replaced? Will you have to buy another ring, or will you receive a check?

Is the ring insured for the full cost or just for the cost of the stone?

Will you need to provide proof of loss?

Are there any circumstances of loss that aren't covered? For example, will your wedding ring insurance claim be denied if you left the ring in a public bathroom; dropped it overboard on a cruise, etc.?

How Much Does it Cost?

Usually, the cost to insure your wedding ring will be one or two dollars for every hundred dollars that it would cost to replace. So, if your ring was worth $5.000, the cost to insure it will be anywhere from $50 to $100. If you live in a city where the risk of theft is very high, the cost might be higher in homeowners insurance.

Read the Fine Print

When you're looking to insure your ring against loss or theft, make sure that you read the fine print. A good wedding ring insurance policy will indemnify you against virtually any kind of loss, from leaving it on the sink in a public bathroom to dropping it down the toilet or having it stolen.


Rings get lost. It happens all the time. But if you have a good homeowners insurance policy, they can be replaced at very little cost.