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I'd recommend you get renters insurance and add a jewelry rider for the ring. Everyone should have insurance! Renters insurance is cheap, like a couple hundred bucks a year if that, and if you already have car insurance you may be able to add renters insurance and get a multi-policy discount. Doing that makes it much cheaper or even free!
Otherwise, Jewelers Mutual offers standalone insurance.
@Over the Moon: We actually have renter's insurance...and I didn't even think of seeing if we could add it on to that policy. Thanks!!
you might be able to add it under renter's insruance or property insurance.
find out if your auto insurance offers these things.
if they don't, then call state farm, travellers, and other insurance providers and talk to them about options.
you'll probably need to get your ring appraised.
Your renters prolly already does cover it... most of them do, mine does- and actually it covers up to 10k of jewlery in the policy, before i ever got my ring
I didnt need to have an appraisal but was told most if they even want one, as long as its within 18 months its ok.
Just make sure you add a lost and stolen clause
A lot of renter's policies have a cap on how much jewelry coverage they offer. We got a valuable personal property policy for my ring.
We use Jewlers Mutual (I actually still have it now that we bought a house). It was better than adding to our renters b/c the renters insurance had a cap for how much jewelery coverage they offer, and my ring was worth more than that.
Also, the renter's insurance didn't cover loss (i.e. if you lose your ring at the beach or something), just things that could happen to the ring in the apartment (theft, etc.). Jewelers Mutual covers it all.
@akp0702: Insurance agent to the rescue here! Call your renters policy and tell them you want to schedule your ring for replacement cost with a $0 deductible. They may want an appraisal depending on its replacement cost. IF you choose to not schedule it (which you can), your policy may or may not have an automatic jewelry endorsement with a cap and it will cover the ring at actual cash value (unless your personal property is covered at replacement cost). HOWEVER, generally speaking with this it is subject to the policy's deductible AND (KEY PART HERE) it does NOT I repeat NOT cover mysterious disappearance aka "I lost my ring."
It could be covered under your renter's or you can add on a rider to it. Either way insure that bad boy! : D
We added ours to renter's insurance. Scheduled it on its own, as the whole jewelry coverage is for $2000, which barely covers my regular jewelry. It added maybe $25 for the whole year.
@jpalm13: Seriously, SO helpful. Thank you!! Our jeweler actually put the appraisal paperwork in the mail today so when we get it, we'll move forward. I hate to admit, this ring has been uninsured since July, and now that we've purchased a band as well, I want to get this sparkly set insured ASAP. It makes me soo nervous to even take it off to wash dishes in our own home!
@akp0702: Welcome!! 
They won't ask anything about when it was purchased. That doesn't matter. Just make sure its insured at the actual appraisal amount. This will reflect if you lost your ring and they had it remade to the specifics of the ring. If there aren't any pics in the appraisal, it can be helpful to have the agent (if you have one) to keep some on file if anything did happen to it and you could not just buy a new one. Otherwise with no agent, just take some pics from multiple angles and hang onto them somewhere. if you have any other q's, feel free to PM me!
@akp0702: Don't worry - I got mine in early August and mine still isn't insured either -__-. But I think we will go with Jewelers Mutual....this thread has been insanely helpful :) Thanks all
They can be covered under renters insurance, but you're better off getting an appraisal and having them written in sperately. I don't remember what it's called, but it isn't that much and covers JUST the ring so if your apartment is ever broken into, or anything else, the entire covered amount won't be eaten up by your rings
Any opinion on whether or not we should TRY to go through our jeweler (I havn't inquired as to whether or not this is an option, just thinking outloud) since this is where the diamond was appraised and our appraisal letter is from their in-company appraiser?
@akp0702: We have my rings insured on a seperate rider through our Progressive renter's insurance.
As for going through your jeweler it all depends on your jeweler themselves. I would hate for you to pay for insurance and have them not stand behind their guarantee or go out of business and leave you hanging. Both very much a possibility in today's economy.
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How do I go about getting my ring insured? I have read about 'riders' that go with your homeowners insurance, but we're not homeowners and won't be for several more years. Where do/how do I get insurance for my rings? I'm not well-versed in this and I'm assuming I don't call Geico or Allstate, right? Or yes?!