After sharing the news of your engagement with both your parents, make sure you call your insurance company to insure your ring. Question to ask when choosing a policy:
- Is the ring covered if you lose it accidentally, or only if it's stolen?
- How will the company replace the ring -- with a check? Or will they require you to purchase a replacement through a specified jeweler?
- What if it's a vintage ring or other unique piece? How will the quality and size of your diamond -- and that of a replacement if needed -- be documented?
- Is the ring insured to full cost or a fraction of it?
- How will you need to prove the ring vanished if you make a claim?
- Are there any circumstances that aren't covered? (What if your ring flies off at the circus and gets trampled by elephants, for example?)
Putting a policy on your engagement ring may sound unromantic, but nothing's sweeter than peace of mind.
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