The Jewelry Box Blog

I Lost My Wedding Ring, Will Insurance Cover It?

Diamond ring alone on the carpet

Losing a wedding ring can be an emotionally challenging experience. Not only does it hold sentimental value, but it is also a significant financial investment. Many people assume that their homeowners or renters insurance policy will cover the loss of their wedding ring, but unfortunately, that may not always be the case.

The first question that comes to mind when you lose your wedding ring is whether your insurance policy will cover the loss. The answer, unfortunately, is not always straightforward. Most standard homeowners or renters insurance policies have a limit for jewelry coverage, typically ranging from $1,500 to $2,000. If your wedding ring is worth more than the limit, it may not be fully covered under your policy.

Similarly, if your ring is damaged due to any reason not covered under the policy, you may not be able to make a claim. It's always a good idea to review your policy carefully to better understand these limitations and consider protecting your wedding ring with jewelry insurance.

Aren’t sure where to start when it comes to jewelry insurance? Take a look at our comprehensive Jewelry Insurance Guide for more helpful information.


Does homeowners insurance cover lost wedding rings?

Most standard homeowners or renters insurance policies have a limit for jewelry coverage, but it's important to note this likely applies to all jewelry, not just your wedding ring. If you have multiple pieces of jewelry that exceed the limit, it could be more challenging to receive full reimbursement for the loss of your wedding ring.

Another huge limitation of standard homeowners or renters insurance policies is that they do not always cover the loss of jewelry outside of the home. If you lose your wedding ring while traveling or simply out and about, it may not be covered under your policy.

We recommend protecting your jewelry with a dedicated jewelry insurance policy from a specialized jewelry insurance company, like Jewelers Mutual®.


What does Jewelers Mutual Cover?

Jewelers Mutual is the only insurance company with 110 years of experience that exclusively specializes in jewelry insurance, offering protection for all types of jewelry, including engagement rings and wedding bands.

Coverage includes protection against loss, theft, damage, and disappearance - a unique benefit that covers you in case your jewelry is lost without any explanation, such as if it fell off while swimming in the ocean or while skiing on a mountain.

Jewelers Mutual also provides worldwide coverage while traveling, so whether you are on vacation or on a business trip, you can wear your jewelry worry-free.

While losing your wedding ring can be a stressful experience, it's important to understand your insurance coverage and explore your options. Jewelry insurance with Jewelers Mutual can provide peace of mind when it comes to protecting your wedding ring. Take the first step in protecting your symbol of love and commitment by checking your rate with Jewelers Mutual today.




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About Jewelers Mutual Group

Jewelers Mutual was founded in 1913 by a group of Wisconsin jewelers to meet their unique insurance needs. Later, consumers began putting their trust in Jewelers Mutual to protect their jewelry and the special memories each piece holds. Today, Jewelers Mutual continues to support and move the industry forward by listening to jewelers and consumers and offering products and services to meet their evolving needs. Beyond insurance, Jewelers Mutual’s powerful suite of innovative solutions and digital technology offerings help jewelers strengthen and grow their businesses, mitigate risk, and bring them closer to their customers. The Group insurers’ strong financial position is reflected in their 37 consecutive “A+ Superior” ratings from AM Best Company, as of November 2023. Policyholders of the Group insurers are members of Jewelers Mutual Holding Company. Jewelers Mutual is headquartered in Neenah, Wisconsin, with other Group offices in Dallas, Texas and Miami, Florida. To learn more, visit