Does Homeowners Insurance Cover Lost Wedding Ring

The good news is that with a little advance planning your homeowners or renters insurance policy may help cover the cost of a stolen engagement ring or wedding ring including the diamond.

Does homeowners insurance cover lost wedding ring. Some floaters cover you for situations in which you lose a ring or leave it behind on vacation. In many cases however your coverage is limited by. Jewelry protection insurance also usually covers lost jewelry.

In your policy documents and is usually listed as a specific exclusion. 6262020 Unlike with personal property coverage provided by your homeowners insurance however theres no associated deductible for items covered by a floater. Some insurance providers will reimburse you up to your policy limit if you lose your wedding ring due to a covered peril but not all.

Cover for items outside of the home is often available as an optional extra personal possessions insurance. On paper the homeowners insurance has a certain provision for personal property coverage and will provide coverage for your wedding ring. I worked with the guy who took off his wedding ring before washing his hands in a restaurant restroom.

Or mysteriously dissappears these unfortunately are not covered perils in a Homeowners policy. A standard homeowners policy typically does not cover lost jewelry but jewelry thats under schedule personal property coverage is usually covered if its lost. Specifically for coverage as a rider to your Homeowners policy.

They may seem like the same thing but theyre not. Requirements to use jewelry replacement companies. 132020 This means if your wedding ring gets damaged by a fire your renters insurance policy probably wont cover it.

Policies generally do not cover jewelry or gems from jewelry pieces that are simply lost. He left the ring on the sink and by the time he realized and went back to look the ring was gone. Now for the good news.