Is My Engagement Ring Covered By Home Insurance? 
Your policy may provide some limited coverage for your ring under it 's standard terms and conditions . However , keep in mind that the loss would be subject to your property deductible AND the coverage may be limited to specific causes of loss . Talk to your insurance professional about either a jewelry rider or stand-alone policy for your valuables . The coverage is usually much broader in that it includes loss due to , well , loss . A Homeowners policy does not provide coverage for items that are just lost . However this `` mysterious disappearance '' is usually covered under a rider or separate valuable items policy . In addition , there is usually no deductible applied . 