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?

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?

According to the Insurance Information Institute, “rings, watches and other jewelry items are among the most frequent of all home insurance content-related claims.”

Think about all the jewelry you own. Maybe you only have one high-value piece you consider worth insuring, like an engagement ring. The rest might be worth less than $500 apiece. No big deal, right?

We don’t claim to be math experts, but that charm bracelet you’ve been adding to over the years? That baby could be worth a couple grand by the time you complete it.