Does My Homeowners Insurance Cover Lost Wedding Ring? 
Great question . Generally no , your Homeowners ' policy will not cover for anything that is lost . This is referred to as `` Mysterious Disappearance '' in your policy documents and is usually listed as a specific exclusion . That having been said , you can certainly obtain coverage for such a loss by working with your insurance professional and asking that the item be insured specifically either as a rider which is attached to your Homeowners ' policy or as a stand alone separate policy . You will need to provide a current appraisal and the item would be insured to the stated amount on the appraisal . Such riders or separate policies -LRB- commonly referred to as `` Personal Inland Marine '' -RRB- include much broader coverage than does a standard Homeowners policy and will cover for such a loss . 