You know what they say...if you have to ask...

In all seriousness, the answer is probably yes. In most cases, it is financially logical for you to insure your engagement ring. Read to learn if jewelry insurance is right for you.

Buying a new piece of jewelry is exciting. You get lost in the sparkle and admire the way it graces your finger or lays just right across your collarbone.

You might think beyond the initial excitement to the cost of the piece, considering it’s likely to be a decent investment. But do you think any farther ahead than that?

Life happens. No matter how hard we try, we cannot plan for the unexpected.

That’s why you get home, auto, life, and, of course, jewelry insurance. It’s your safety net so that if something happens, you can fix it and forget it. But how exactly do you file a jewelry insurance claim? What do you need to do?

All too often we get phone calls that start out, “I was taking a shower, and ...”

What comes next? You guessed it - a story about how a piece of jewelry was suddenly washed down the drain.

What's not covered under homeowners insurance? (At least not well enough.)

Spoiler: It's jewelry.