08/31/2026
An engagement ring is one of the most valuable things you own, emotionally and financially. But is it actually protected? Most standard home and renters policies only cover jewelry up to $1,500 to $2,500 for theft. Accidental loss, like a stone falling out or losing it on vacation, usually is not covered at all. A standalone jewelry policy will protect your ring and your insurance premiums in the event of a claim.