Jewelry Insurance should be one of your first purchases after you say yes. The last thing you want is for your beautiful, most valued possession to get lost, stolen or damaged but sometimes, the unthinkable happens and you should be prepared.
Questions you should ask before purchasing your policy:
How much does insurance?
On average, jewelry insurance typically costs $1-$2 per $100 in value, so if your ring costs $5000, insurance will be about $50-$100 per year. Insurance costs can be kept low if you store your ring in a safe when its not being worn. Be sure to keep all paperwork including appraisals that come with the ring in order to make replacing it easier.
Here is a helpful link to help you get started finding the insurance policy that best suits your needs.
(Something Like a Dream is not endorsing any of these products, they are merely suggestions for a place to start.