Does Renters Insurance Cover Wedding Rings? 
Yes it does , but talk to your Insurance Professional because usually the coverage is somewhat limited . Many policies provide basic coverage for `` unscheduled '' jewelry items . It is is usually limited to a particular dollar amount which can be less than the value of the piece and it is subject to your deductible . You may want to consider providing your Insurance Professional with an appraisal of the ring and asking that it be insured specifically to that appraised value . This can be done either as a rider on your Renters Policy or by a separate policy , whichever you prefer . That is the better way to go because then the piece is more fully protected , even if yo loose it -LRB- which is not covered under a renter 's policy -RRB- and in most cases , there is no deductible . 