Whether it's included or not, and whether that coverage is a part of the standard policy or added on top of your base coverage, will depend on which provider you choose and what policy you decide best suits your interests. Some providers let you personalize your coverage so your policy is customized to meet your specific needs. In other words: this means that if you don’t have any engagement rings or other jewellery, then you can leave them off your coverage and lower your premium. But if you do have a ring you’d like to insure, you can choose to add that coverage to your policy.
However, if you get engaged or buy any jewellery after you’ve purchased insurance, you’ll want to get in touch with your insurance provider and update your coverage to better reflect your evolving needs. This step is especially important since neglecting to update your insurance provider about changes to your insurance requirements could leave you unprotected in the event of a loss and prevent you from being able to file a claim for some losses. If you want to learn more, read our article on insuring jewellery.