Popped the Question on Valentine’s Day? Is the Ring Insured?

Understandably, Valentine’s Day is one of the most popular days to propose, so it’s likely some of you may have received an engagement ring and proposal from your loved one on the famous day of romance. While you may be jumping for joy and planning the future, it’s important to remember about protecting the ring – this is where insurance can help. If you don’t add your ring to your homeowners insurance policy, you could be at risk of not being able to claim if your ring is lost or stolen.

Engagement rings, traditionally, are not cheap. That means if something does happen to the ring, you and your partner could face high expenses of trying to repair or replace it. The ring and the memories that come with it are worth protecting against loss, damage, and theft.

If you already have renter’s or homeowners insurance, your policy may offer some limited coverage automatically. Typically, it is not as comprehensive as a separate jewelry insurance policy, which generally costs as little as 1 – 2 percent of the ring’s value. If you decide to protect it with your home or renter’s insurance policy, remember to call your agent and see if you need to increase your policy limits to protect the value.

When you’re ready to secure a quality homeowners insurance policy, talk to the friendly experts at Jack Stone Insurance Agency. We serve Antioch, Brentwood, and surrounding cities in California. Contact us today to get started!

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