Engagement Ring Insurance Cost
Typical annual cost, what policies cover, and whether your home insurance already includes your ring.
What it usually costs
Most policies cost about 1-2% of the ring value per year. See our range.
| Ring value | Annual premium (approx.) |
|---|---|
| $1,500 | $15-30 |
| $3,000 | $30-60 |
| $5,000 | $50-100 |
| $10,000 | $100-200 |
Check your existing policy
Many home insurance policies cover jewelry only up to a small limit; a scheduled rider gives full coverage.
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Get a Free Quote Chat on WhatsAppFrequently Asked Questions
Does home insurance cover my ring?
Often only partially; ask about a scheduled personal property rider.
Is ring insurance worth it?
For rings over $1,000, yes - a lost diamond is expensive to replace.
What do I need to insure it?
A receipt, diamond report and an appraisal.