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Will Homeowners Insurance Cover Lost Wedding Ring?

Good afternoon. Today we’re talking about homeowners insurance, and one of the most frequently asked questions is, “Is my wedding band or my wedding rings covered?” The answer to that question is yes. However, you want to make sure that it’s covered properly. To do that you’ll need to have a scheduled personal property rider on your policy to cover the ring fully, and by paying a little extra you could get what’s called mysterious disappearance. It covers the ring and stone if either one of those items are lost or stolen, or you go on vacation, and you come back home, and you can’t find the ring, you don’t know where it is, you don’t have to file a police report in order to get it replaced. Basically, we would already have your appraisal, and we would replace it at the appraised value. Keyword on appraisals, get them done every two years. Have a great day.






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