Engagement rings are gorgeous and are also very valuable. Not only from a monetary standpoint, but this ring is what he gave you when he asked you to be his wife! There are so many powerful emotions linked with this single piece of jewelry. This is exactly why everyone should get their diamond engagement rings insured! Heaven forbid something happen to that magical piece of jewelry, but in case it does, you need to be prepared. Most jewelry stores offer insurance or you can go with your homeowner's policy. Depending on the value of your ring, it will be very affordable to have the peace of mind you deserve in case something dreadful happened to your ring!
If your honey is smart, he will have had it insured the minute he purchased it and received all of the paperwork. Most of these policies can be created over the phone. You can also easily upload documents of the ring for your insurance company's records. Your jeweler should always provide you with an appraisal of the engagement ring, but in case they do not, you may want to go to a different jewelry store to get their opinion on the materials used in order to determine the value to replace it.
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