Does Home Owners Insurance Cover A Lost Wedding Ring? 
Maybe yes , maybe partially , maybe no ! Most homeowners insurance policies do not cover loss or mysterious disappearance of jewelry . Those that do include the coverage in the basic policy generally include a low limit . What is typically required is optional coverage referred to as a personal articles floater . An appraisal or bill of sale is submitted to the insurance company , the item -LRB- s -RRB- are specifically itemized on the policy and premium is determined by the value . Coverage varies by insurance company so be sure to consult your agent . 