Does Renters Insurance Cover An Engagement Ring? 
Renter 's insurance vary a lot so the only way to know for sure is to file a claim . With that said the ring is probably covered with a small sublimit of $ 1,500 or so and you would have to pay your deductible . If you need coverage for more than that you need to call/email your insurance company and say `` I 'd like to specifically schedule my engagement ring for $ X with a deductible of $ Y. Special causes of loss , replacement cost please . I have a picture , receipt and appraisal ready for you '' . That will assure that your engagement ring is covered to it 's full value , minus the deductible you choose and for the widest coverage possible . 