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I would be completely devastated. Not only because I love my e-ring, but also because my FI would be so upset and sad--he's very sentimental, and like your friend, he values it because it's the ring he proposed with. So I would feel so extremely awful about making him feel sad. Plus, of course, there's the financial aspect of replacing the ring, which would again make me feel soo guilty.
I don't really understand not insuring your ring. We insure jewelry through our renter's insurance (which we pay at the same time we pay our car insurance) and it's a very negligible amount of money each month. Plus, the jewelry shop that we bought our wedding bands at will pay the deductable on our insurance if a stone should ever fall out. Sure, we COULD afford to replace my ring but the deductable on the insurance is a hell of a lot cheaper.
But beyond that, my ring was custom designed and has an heirloom stone. Yes, we could have something like it made again, but it could never be replaced. I'd be incredibly, incredibly sad if I lost it.
At the risk of sounding like a cold hearted bitch, I'll admit that I wouldn't be devastated if I lost my ring. I mean, I would be upset and I certainly wouldn't want it to happen, but I'm just not that sentimental of a person. My ring isn't my husband, it's just a token of our commitment to each other. It can be replaced, and a new ring would still have a special meaning behind it.
If I had diamonds, I probably wouldn't care so much because it's easy to get identical stones. But I have an emerald and it would be impossible to find one with the same color and inclusions. My ring is insured, but I would still be sad to lose my one of a kind gem.
I would be upset because we both really love my ring and we're pretty sentimental- BUT it would not be as devastating as losing each other.
I would be bummed, however, I am of the mindset, always, that sh*t happens. I'd be upset for a few days/weeks, but I'd get over it. I'd probably replace it with something so awesome, it'd make up for it =P
i would be pretty upset. my fiance spent a lot of time picking out my actual diamond and picked this one specifically for me based on what we both wanted. it's a canadian diamond too, so we got it's "life story" in a file which adds to our attachment to it (it even has a "birthday"!). we DO have it insured, but i'd still be really upset.
I would feel like a douche bag. My spouse spent a long time agonizing over which ring to get, and spent waaaaaaaaaaaaaaaaay more than I felt was appropriate (about $2000), he busted his butt working in the bush that summer to pay for it, and it means a lot to him, so just for that I would feel terrible.
I have in fact come very, very close to losing my ring (space admiral first class here), several times, either through misplacing it or it flying wildly off my finger (bit of a hand talker here), so I am very very glad that we have the darned thing insured.
Despite that, I would still feel pretty low if it happened.
I'd be beyond upset, I'd be devastated. My FI met many times with the jeweler to pick the colored stones (our birthstones) for the side stones and then picking the center diamond and also finding the setting he knew I'd love. The e-ring also features two of the small diamonds from my FI's grandmother's ring (she passed away when he was two years old) and so we are both extremely sentimental about the ring. Honestly, the e-ring means more to us that my wedding band! HAHA I know that's backwards, but the e-ring could never be replaced due to what was involved to make it. The band, yes, we could and that's why. No, we wouldn't be happy and it would stink if the band was lost but we'd get over it eventually and find a replacement. I do have insurance on both since the amount every month is so incredibly small.
I actually lost my wedding ring a couple of weeks beore the wedding. One moment, it was sitting there on my home desk in its pretty little box and the next, gone to god knows where.
I was super upset about losing it, particularly as it was custom made to sit flush with my e-ring! My then fiance and I replaced it with a very thin, white gold band a few days before the wedding. Siigh.
I'd be devastated if I lost my e-ring, though. The diamonds have been in my husband's family for a couple of generations and it has a huge sentimental value to me.
I would be sad but happy we get to go ring shopping all over again! My ring is insured on my home owners. The appraisal came out more then my ring cost (because i got the setting somewhere else) so i could prob get a free upgrade! Whats better then that!
I would be bummed. The sentimental value, the fact that I'd know it wasn't the same ring as when he proposed and it's a bit unique so I know I couldn't just buy the same ring again.
So yeah, I'd be really upset.
Since mine really isn't worth much, I wouldn't be too crushed. It can easily be replaced. If it was my wedding band, that would be different (more sentimental value IMO).
Also, I love your username. Ritsi Bitsi is such a great name!
I would be so incredibly sad and devestated if I lost my ring. My jewelry always holds a lot of sentimental value to me, I have worn the same necklace almost every day for 6 years that was a gift from DH when we were dating. Before that, I had a necklace I received at a team banquet (all the guys got plaques and because I was the only girl they got me a silver necklace). I wore that every single day until I received the necklace from my DH.
My e-ring was the ring that my husband picked out for me all on his own and spent ALOT of his hard earned money on it. We have it insured and will continue to insure it every year in case something happens to it. Its nice knowing I would be able to get a new ring for little cost if something happens but nothing would replace my original ring if something happened to it.
@beekiss2: lol, thanks! My name's actually Kristi and some friends used to call me Ritsi or Ritsi Bitsi for some reason...
I'd be really upset... even more so if it wasn't insured.
Why not insure your ring? Jewelry insurance is ridiculously cheap! And lots of times it can be covered under your renters or home insurance anyway.
Like the OP, I would intially be really upset if i lost my e-ring, but would then realize that, in the grand scheme of things, it isn't nearly as important as having my FI and that it can be replaced! That's what insurance is for!
@Angela83: it is insured to an extent under our home insurance. But we didn't purchase additional insurance to cover the entire value of the ring.
Both my wife and I would have a hard time with it if I lost my ring, even though the cost of replacing it would be small. It was my wife's grandmother's, and that sentimental connection is irreplaceable. However, this is something that insurance would not help with.
I would definitely be upset, and I would feel awful. Even though we've talked about upgrading in 5-10 years, it's the ring he proposed with and it's absolutely the perfect ring for me/us right now.
I would be very upset, but life goes on. In the end, it is a "thing" and not a life.
As far as the insurance thing goes, we did get my ring insured, through Jeweler's Mutual it is less than $45 a year for $0 deductible on a $4000 ring.
I would advise you to rethink your insurance approach. If something catastrophic happened, you'd be amazed how fast it adds up to replace a bunch of stuff even if it is "cheap".
My parents had their house flood in December due to a broken water pipe (and they are still working on getting their house fixed) and it is just incredible how much was either damaged or totally destroyed. Luckily they had added extra insurance for things above and beyond their regular homeowners insurance, but it's still been a bit of a financial blow in addition to an emotional one. I cannot even imagine how much worse it would have been if they didn't have insurance on the "small stuff".
I'd be super sad because I know my FI would be like "HOW did you lose it?!" Plus he picked it out so I'm kind of sentimental about it. I'm already bummed I'm going to have to get it reset but it's the only way I'll have a wedding set I like (I'm actually thinking having the band from my e-ring completed and using it as my wedding band).
I try to only put it in one spot in my bathroom when I take it off...or actually when I put lotion on I put it on one of my toes (because there's no way I'll forget it then). But it is insured so besides the disappointment it's not like we couldn't replace it.
I would be very upset, not only because of the sentimental value, but also because it's an Art Deco estate piece; there aren't any others like it, so I couldn't just go get the same one from a store.
I definitely have it insured!
I would be super upset!! We picked out my ring together, we had it made just the way we wanted it! Not only would I be upset bc its the ring FI proposed with, but my ring wasn't cheap! FI worked hard to pay for my ring and I feel like it is apart of me now! I feel lost when I don't have it on! I would be sooo sad! Luckily we have it insured, so that makes me feel a little better!
I would be sooooo sad if I lost my ring! My FI picked it out himself and he loves it! It's a 1930's estate ring so it's a one of a kind and we would probably never be able to find one like it again, and he went back to the jewelry store like 10 times and everytime he was in there he always picked out my ring no matter where in the case they had moved it (it was like an inside joke between him and the guys at the store) So I would be very very very sad if I lost my ring! We both love my ring so much that we decided for me to get two semi-eternity bands for my bands so that I can just wear them and leave my e-ring in a safe place if we go places that I would worry about losing my e-ring (we go white water rafting every year, camping trips, etc.....)
Mine is insured so I wouldn't be at all concerned about the money... but I would still be super bummed. I am a bit sentimental and I'd like to keep THE ring he proposed with. THE ring i've worn every day for x years, months, days. So yea I would be pretty upset about it. But then I'd get a new one and get over it (mostly) eventually I'm sure.
Nekkid.
But really, my ring is replaceable and it would give Mr. a chance to propose again (without me having stomach virus), but I'd be a little put out anyway.
Mine is insured under our home owners insurance and yes I would be super bummed for a long time but things happen and I rather have my hubs. I think I would be more sick about losing something that cost as much as it did and probably would always have a fear afterwards even with a new ring.
I lost my e ring ....for about 15 minutes!!! I have a little ring holder on the kitchen window sill that I put it on when cleaning. One day I must of very absent mindedly put it on the counter instead....i don't actually remember even taking it off. I had washed some dishes, chucked some clothes in the washing machine and in the drier, emptied the bin and had done some general pottering around while my FI had a collegue in the lounge room talking shop.
I suddenly realised it was no longer on my hand, and I freaked out. I remained as calm as possible, as I didnt want to make a scene in front of the guys. I pulled everything out of the sink that I had soaking in hot water, it wasn't there....I stood there for awhile trying to figure out if it went down the drain (a sane person would of realised that the grate over the drain will not let anything that big through ...duh)
I went through the dryer and the washer. I started franticly going through the bin (fighting back the tears and trying to look as normal as possible, ha)
Then I hear " Uh Honey...do you know what Jade has?"
I went out to the lounge, and there was my 2 year old curled up under a blanket on the lounge with my ring on her ring finger looking very proud. I was just so releaved, I gave her a huge cuddle and she gave it back to me.
It was the worst 15 minutes ever, and it wasn't a monetary thing, it was more of an I lost my e ring OMG!!!!!!!!!! thing. And looking back I think its funny that I thought I was remaining calm and looking normal - while frantically going through the bin 
I did lose my e-ring, and it still bothers me. It was insured, which was really fortunate, and I wouldn't have worn it without it being insured. But that totally didn't help with the absolute panic as i searched my entire apartment. Seriously - I took each item out of the trash one-by-one, just in case. I pulled out the stove and refrigerator, just in case. I pulled up all of the rugs, just in case. And it was nowhere to be found. The two months it took to wrangle the insurance company into forking over money for a second ring were awful, and even now, there's a part of me that still thinks, "This isn't the ring he proposed with."
Devastated. He wants to upgrade my ring already and I keeping saying no because it wouldn't be the ring he proposed with. The one he picked out all by himself.
I did lose it. Was working in the yard moving gravel and put my ring in my pocket. From all the shoveling it must have worked its way out. I was sick, simply sick. We used a metal detector and moved all the gravel again, and I didn't find it. A few weeks later, a neighbor boy found it in the grass. Learned a hard lesson on that one. Now I take my rings off when I work outside.
In the bigger picture, I know it's tangible property and doesn't come close to the memories and relationships with loved ones but it is the sentimental value that is important to me. Now I wear my grandmother's wedding ring from 1917 on my right hand and my mom's & other grandmother's diamonds with one of my own in a three ring setting on my left hand. I love wearing something of theirs them every day.
I would be absolutely devestated if I ever lost my e-ring. My ring is actually my FI's grandmother's (who has passes) and is irreplaceasble. According to our jewler, they do not cut diamonds the way that mine is cut any more. Because it is an antique we have gotten it apraised and plan on puttin git on our insurance policy.
Even if you "don't mind" if it ever gets lost, I still would recommend that you put it on your policy. You just never know what is going to happen.
I would be completely heartbroken. My e-ring means so much to me, especially since the main diamond was his great grandmother's (who passed away and out of the three boys in his family, he was the closest with her, so she gave him the diamond to give to his "future wife" (i.e. me 
).
My FI is in the Marines and inscribed the words "Semper Fidelis" (The Marine Corps Motto, meaning, Always Faithful) inside the band as well, so it's very special.
I had to give it up for a day so that it could be sized down and felt naked without it, everytime I looked down and saw it was missing, i freaked out a little haha. I almost didnt want to have it sized down because the inscription had to be removed and then redone.
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I've talked with some of my girlfriends and we have differing opinions on this. I said would be pretty bummed if i lost my e-ring, but in the grand scheme of things, I think it's something that can be easily replaced. We didn't insure my ring, but our principle is to only insure things that we can't afford to replace from our emergency fund (like cars and house). I also think it would be cool to have a shiny new ring should I lose it (but I'd get the identical ring).
One friend said that she places a lot of sentimental value on her ring because it's THE ring she got engaged with. An another friend picked hers out on a trip to Australia. It's got a blue spinel as the main stone and diamonds around the band. Now that's something more unique and harder to replace. I know some people have rings from other generations too, which makes them even more sentimental!
What are all your opinions??