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what are "the rules/expectations" of the man in the event that his fiance/wife loses the ring? is he expected to buy another identical one immediately? or is there a grace period after losing it? or would the woman purchase a new ring?
my hubby said "thats why you have insurance" and i say and while youre at it you upgrade
did something terrible happen OP??
It should be insured by a rider under the house/renters insurance then the insurance will pay for it.
Get ring insurance. If you lose it, the insurance company pays for the replacement.
Hopefully they have insurance, in which case they can replace it when they get the proceeds from the insurance (you need to get a separate policy for the specific piece of jewelry for replacement in case of accidental loss). If there is no insurance, I don't think there is any obligation to replace the ring. If he wants to buy one as a gift at a later time, why not? But as for a new, identical one, immediately? That seems silly to me.
IMHO, if you lose it, it's your responsibility to replace it and then, only if you two agree as a couple that you can financially take the hit of buying another ring.
There may be exceptions for extenuating circumstances (getting your ring stolen, a freak accident) but ultimately if you're careless enough to lose your engagement ring during the engagement period I don't think your fiance, who already shelled out, should have to do so again.
Insurance. Or there is a waiting period - no need to run out and buy a new one simply because someone lost the old one.
@eloping: LoL. After we got insurance I told FI if I lose it then we can upgrade.. and he gave me an evil stare.. 
I agree with the others and when my mom lost her rings in a house fire (she's a nurse and worked in surgery at that time so she didn't wear them to work) they waited forever before my dad surprised her and bought a new set. No big deal!
My faince said, "for every lost ring, you go down a carat." lol.
My ring isn't even a full carat, he just a silly man. ;)
Insurance- and if you have no insurance (but still want the engaged appearance) get a costume ring until you/he can afford the replacement.
They have some VERY cheap rings under $100 that look VERY real and since it will only be temporary, you can give everyone the "oh he is upgrading" line and it would truly be an upgrade. LOL!
insurance.
if you're married, why would it make a difference if the husband or wife buys a new ring? the money would be both of yours regardless.
Yeah, there would def be a waiting period for quite some time. And then when it came time to pay it would be "our" money.
Insurance is the way to go.
Insurance! Get a cheap replacement in the meantime and a new permanent one when you can afford it. Losing my ring would make me feel so bad, there's no way I would be like "YOU NEED TO BUY ME A REPLACEMENT RIGHT NOW SINCE YOU'RE THE MAN!". Haha.
I would wait a while, but probably buy another ring eventually. I don't have insurance on my ring because it was less than 500 dollars, but if you have a crazy expensive one then you should have insurance.
Definitely insurance. I would be sick if something happened to my ring.
If by chance something did, and I didn't have insurance, we would probably purchase another one, eventually. We have combined finances, so it wouldn't really be one of us or the other puchasing it, it would be both.
Well, it depends on the value of the ring but I would generally say insurance. If you don't have a very expensive ring, it may cost more to insure it (or added on to a rider on your home/renter's insurance), so it may not be worth it to insure it. Like, if it will cost you $20 extra a month to insure a $500 ring, I'd say to just keep the money and just get a replacement when you can.
And, FWIW, I don't think there should be any penalty for loosing a ring. Things happen. A coworker had hers stolen once. After you're married, it's YOUR money so I would think couples should get the new ring togther.
I lost my ring when I was pregnant. :( It's been gone for about a year now. I thought my husband was buying me one for Christmas, but not so much. Since all our money is together, I guess both of us will be technically replacing my ring, whenever that happens.
We insured it through our home owner's insurance, but if you go this route, be careful of what you're buying. We added a general jewelry insurance rider to our policy, and while it covers my ring, it also covers some other (more expensive) jewelry I have. What we didn't understand about the rider is that you can only make one claim against it, ever. Because my ring is not worth as much as other pieces I have, if I claim the ring against my insurance I would not be able to file another claim unless we bought more coverage/changed our policies. If I claim my ring now, and lose a more expensive piece of jewelry, I would be SOL on filing another claim. Apparently, this is very common when buying a jewelry rider through your home owner's insurance, so definitely make sure you understand all the details of your policy. Of course, this is totally moot if you are insuring the ring individually or through a plan other than your home owner's insurance.
@Mrs. Spring: I couldn't agree with you more about knowing exactly what kind of policy you get when you get your ring insured.
I have a personal inland marine policy for all of my jewelry. It's totally separate from our homeowners' policy and a claim won't make your homeowners' or tenants' insurance policy skyrocket. But, yes, insurance is absolutely the way to go in this case.
I think the man has done his job. I don't think it's ok to expect him to hurry up and buy a new ring immediately (unless you want him to go to Wal-Mart). But each couple has their own way of doing things. And I'm not trying to be mean about the Wal-Mart thing, I'm sure people get rings from there--it's just a joke between my fiance and I because he jokes about returning mine all the time and going there. Anyway, if the woman lost it, then I feel it's the woman's job to buy another one if she wants one quickly. If not, a good compromise would be to buy another one together.
Well my SO and I already talked about getting it insured so that we don't have to buy another one. He knows what happened to his sister she lost the stone and didn't have the ring insured. Thankfully she was able to find it and I hope got it insured after that. Needless to say her FI was really upset.
I have to agree with previous posters, get your ring insured!
I would be soo upset if I lost my ring and I didn't have insurance--I have insurance on my car, which is 9 years old and is worth less than my ring (both in dollar value and intrinsic meaning).
I hate to even reply to this thread because I feel like I'm jinxing myself...
But, if that did happen, I would just buy myself a $100 opal ring and wear it on my left hand.
Insurance. My ring is custom-made and completely insured, so if I drop it in the toilet, I get a brand new identical match for free.
I think that if I was given a gift worth thousands of dollars and was dumb enough to not insure it and then lose it, my fiance would expect ME to pay for its replacement. How is that his responsibility even a little bit? That's on me, and rightfully so!
@jo.lee: i KNOW WHAT YOU MEAN! i felt like just talking about it would jinx me but i guess that's silly! don't ask me why my boyfriend wanted to post this so badly.... but i do think he's suprised at all of your mature and smart answers!! you guys really are mostly smart sweet women
Insurance. I don't even have a diamond and my moissanite is insured.
@Impatiently waiting: ummmmmmmm...are you asking because you lost a ring??? Hope not. If so and you don't have insurance, then no one is really obligated to do anything. Depending on your means, you can get a new ring right away, save up and get a new one, buy a cz replacement until you can afford something else...no firm rules here. But I agree - if this is a real concern, get insurance.
We have insurance but I think that unless its stolen off your finger.. its the woman's responsibility to buy a new one.. it was their carelessness that got it lost
I think it's something that should be discussed between the two of them. For us, if I actually lost the ring, we would probably buy a less expensive ring and pay for it together.
@Impatiently waiting:buy insurance!!
and then, uh... if he would let me pick it myself that'd be AWESOME for me because i love jewelry. i'll go to museums just for their jewelry exhibits, i seriously love jewelry and intricate metal (ok, and some gem) artwork.
however, i bet he would want to be involved.
it's probably a team effort, or at least starts out with a team discussion on who does it. there is no prescribed way to do it.
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