Does Homeowners Insurance Cover A Lost Wedding Ring? 
Not if the ring is not `` scheduled '' specifically for coverage as a rider to your Homeowners ' policy . Homeowners covers your belongings for specific perils , as listed in the contract . If an item is `` lost '' or `` mysteriously dissappears '' , these unfortunately are not covered perils in a Homeowners policy . If the ring is scheduled on a rider or insured separately on it 's own such policy , then the lost ring 's replacement would be covered . 