Does a Renter’s Policy Cover An Engagement Ring?

Would My Renter’s Policy Cover My Engagement Ring?

No. While some Homeowner’s policies cover jewelry; up to a specific limit, engagement rings should be scheduled on a separate Inland Marine Policy or added as a Floater to your existing Homeowner’s Policy. Otherwise it is unlikely that there will be coverage for such a “big ticket” item. For more information on this, see our blog “Floater Policy: Insuring Your Valuables”.

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