What insurance do you have for your engagement ring?

posted 2 years ago in Rings
Post # 2
188 posts
Blushing bee

I don’t have any! Except the like ‘protection package’ at the ring store. So pretty much a warranty. But I figure that the ring itself cost about $1700. Not cheap, but it’s not like, a $10,000 ring or anything, and if something were to happen it wouldn’t take a huge amount of time to save up and replace it. Paying monthly for something I’ll likely never need just…I don’t have the budget for that right now, anyways.

Post # 3
2696 posts
Sugar bee
  • Wedding: June 2012

Ditto the above. I don’t have insurance but I do have the warranty through the store we bought it from. We also paid about $1700 for it, so I figure the warranty is the best choice. So long as I get it inspected by them every 6 months, the warranty is valid and covers stone replacement if they fall out or get damaged, or prong replacements, etc.

Post # 4
208 posts
Helper bee
  • Wedding: October 2014

I wish I could help! Mine is under my homeowner’s policy as well. My ring wasn’t wildly expensive, but it only cost a couple bucks a month to add it. Do you mind me asking why you’re looking for another option? Have you noticed a disadvantage with the homeowner’s policy?

Post # 5
539 posts
Busy bee
  • Wedding: July 2014

I have Perfect Circle.  It covers worldwide loss, theft, damage, mysterious disappearance.  It also allows you to work with the jeweler of your choice.  Most times it is better to have a standalone jewelry policy, if you decide to check with homeowners read the fine print.  Some are capped off a certain price and some do not cover certain things.

We have my engagement ring, my fi wb and his 2 rolex watches on our policy and it is very affordable for piece of mind.  We will add my wb when i pick it out.


  • This reply was modified 2 years, 4 months ago by  LoveLikeCrazy.
Post # 7
326 posts
Helper bee

I also have perfect circle too!!! My FI and I looked for what seemed as the best insurance for the ring… And perfect circle just made sense. It’s so easy too and it’s not bad cost wise! 

Post # 8
4441 posts
Honey bee
  • Wedding: January 2013 - Harbourfront Grand Hall

californiabride2013:  We have my ring on our homeowners insurance policy.  My ring is worth $2k and if something happens to it we will have to pay the insurance company a $500 deductible, which costs us $15/year which comes out of escrow.

We also have the “insurance” from the jeweler that replaces any stones that may fall out or issues with the prongs, redipping and sizing (although I think the sizing was a one time deal).

Post # 9
248 posts
Helper bee

I have perfect circle as well…..

Post # 10
2107 posts
Buzzing bee
  • Wedding: October 2015

my fiance insured mine as a rider to his renter’s insurance through State Farm.

Post # 11
2675 posts
Sugar bee
  • Wedding: May 2014 - Madison, WI

Also have perfect circle for my rings. I pay around $40/year for my wedding band and engagement ring. That’s about 1% of their total worth.

Post # 12
6964 posts
Busy Beekeeper
  • Wedding: August 2012

I also have a rider on my insurance policy. I can’t imagine a ring doubling a home owner’s policy…that’s crazy!

Leave a comment

Sent weekly. You may unsubscribe at any time.

Find Amazing Vendors