Will home owners insurance cover a stolen wedding ring?

Answer 1

They would cover it if was stolen from your home. They would pay up to the sub-limit, usually 1K, then reduce that amount by your deductible.

However, if you schedule the wedding ring onto your Homeowners policy it will be covered less the deductible for the entire purchase amount.

An appraisal will need to be submitted to the insurance company. A claim filed for the loss or theft of this ring will count as a claim against the Homeowners Policy, which could raise the premiums. There are Personal Article Policies that will separately cover this piece of jewelery.