Insurance can be confusing. The insurance industry uses a lot of specific jargon that you likely do not use on a regular basis. (Deductibles, and premiums, and claims! Oh, my!)

Don't let these unknowns steer you in the wrong direction. Let's clear up some of these gray areas - right here, right now. We want you to feel as confident as possible that you're choosing the best insurance plan for you.

Getting engaged is one of the most exciting times in your life and your engagement ring is probably one of the most valuable things you will own. Insuring your engagement ring is a great way to ensure you don't have to stress about getting your ring stolen, losing or damaging your ring.

Finding out your homeowners or renters insurance falls short after you’ve already lost your ring leaves you wondering what to do next. Do you pay for a replacement out of your own pocket? Or go without a ring?

Rock. Hard place.

So how do you know which insurance option won't leave you empty-handed when the unexpected happens? The first step is understanding exactly which situations are covered and for how much.

You choose the perfect location, pick up a new outfit, and select exactly the right music to set the mood. The ring is precisely what she has been hinting at and you just know she is going to say "yes." But what happens if the ring gets damaged, lost or stolen before the big moment?

A well-fitting ring is a safe ring. Ensuring a proper fit helps safeguard against rings flinging off with your gloves or needing a surprise ring-removal ER trip after an allergic reaction or a long day out in the hot sun.

Deciding to resize your ring is the first step. But who pays for it? You? Your jeweler? Your insurance company?