Engagement Ring Insurance Tips Everyone Should Know

You may have your favorite pieces of jewelry, and you definitely love wearing them and taking care of them – but truth be told, none of your accessories will ever be equal with your engagement and wedding rings. After all, these pieces go beyond just fashion – they are true statements of love and commitment, and you want to wear them for the many decades of beautiful marriage ahead of you.

Why insure your engagement ring, and what are some of the most important things to know about this? Read on and find out more.


  • You need insurance for your engagement ring because it will actually give you peace of mind. Depending on the exact clauses of your insurance policy, it may be able to cover you in a multitude of events – from damage brought to the ring’s stone to theft, loss, and even disappearance.
  • Engagement ring insurance doesn’t cost a lot – somewhere in between $1 and $2 per $100 worth of wedding ring. So, if your ring costs $1000, you can expect to pay up to $20 – which is really not much, considering the advantages.


  • When purchasing an engagement ring policy, do make sure you understand all the details of your contract. Different agencies offer different types of policies, and you should definitely know what your policy will actually cover.
  • To get an engagement ring insurance, you will need a certified appraisal that guarantees the specifications of the ring. Our advice is to get the insurance as soon as possible – as mentioned before, this is more than just a piece of jewelry, and you want to make sure it is covered regardless of what happens.

Looking for the best wedding planner? Contact Tamara Wendt Events and we will make sure your wedding is FANTASTIC from A to Z!