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Just the other night I looked down and noticed my 1.2 karat diamond was missing out of the setting on my ring. I didn’t have it listed on our home owners. I can’t find the receipt either from when my husband purchased it. Can I claim it? Or is my husband and I just out 5,000?

11 Thoughts on I lost my diamond out of my wedding ring. Can I claim it on my home owners insurance?
  1. Reply
    Amanda H
    June 25, 2011 at 4:02 am

    If you didnt’ purchase an extra floater policy on your HO policy, than they probably wont give you more than $ 1500. Plus there’s usually still a deductible.

    In other words– not worth it. YOu need to have them notified of any valuables over a certain dollar amount.

  2. Reply
    June 25, 2011 at 4:34 am

    You can claim it. However, hopefully you took out extra insurance on your ring to make up for the cost of it.

  3. Reply
    June 25, 2011 at 4:39 am

    If you have an unendorsed homeowners policy, you have a theft limit of $ 1,000 for jewelry, less your deductible and you have to prove the theft. There is no coverage for “lost”. Some companies add their own endorsements that include “lost, misplaced or stolen” within the jewelry limit (mine is $ 2500 per item, $ 10,000 max, less my deductible for jewelry). Even if you have these, you would need to have some proof of what the stone was (size – a jeweler could tell an approximate size from the setting as long as it is not too damaged, color, cut & clarity – these can make a HUGE difference in the value). This is normally in the form of an appraisal or bill of sale. Without any additional information, I would say you are out the $ 5,000. Replace the stone, get an appraisal & LIST it on your policy & pay the additional premium.

  4. Reply
    Faye H
    June 25, 2011 at 4:52 am

    Jewelery has a limit on the policy. You’ll have to check to see what yours is. Typically jewelery is only covered for $ 1000 or $ 2000. If you have more than that, you need to have a rider on the policy for the amount of the items. The insurance company will usually ask for an appraisal or receipt if you want to cover a large amount on a piece of jewelery.

  5. Reply
    Susan G
    June 25, 2011 at 5:43 am

    Before you call your home owner’s insurance, check around your home, car and work with a flashlight. Turn off all the lights and get on the ground and look. Check your vacuum cleaner’s bag before disposing of it. Also, check the lint filter of your dryer and inside the pockets of all the clothes that you had on. Think about everywhere you were since you last saw your diamond and especially about any place where you might have whacked your hand against something. Check all around your car, especially where you park – at work and at home. Vacuum the inside of your car with your home vacuum and then check the bag.

    If you don’t find your diamond, call the jeweler where your husband purchased the diamond to see if you can obtain a receipt or something similar. Finally, call your insurance company and ask about a replacement.

    Now for my “next time” lecture. Next time, take your ring off when you wash dishes, clean, cook, do laundry, do yardwork, change sheets, etc. Each time you take your ring off, do a quick check of the diamond. Push on the diamond with your fingernail and check the prongs that hold the stone in. Do NOT wear your ring if the diamond is loose or if any of the prongs are bent or broken. Put your ring in a plastic zip lock baggie and go to your trusted jeweler for repair. A new head for the diamond which is the entire mounting should cost you about $ 75 – 150 and prices vary for retipping or straightening prongs. Go to your trusted jeweler frequently (every couple of months) to have them clean and check your ring – it’s free and will save you from another loss.

    I’m sure you’ve looked for your stone and I hope that one of my ideas works for you because I’m sure you want your original stone back.

  6. Reply
    June 25, 2011 at 6:41 am

    Call the insurance company any see what they tell you. Did you get some kind of insurance from the jewlery store?

  7. Reply
    June 25, 2011 at 7:20 am

    You can call them, but it it wasn’t scheduled specifically there is no coverage. The homeowners would cover it for theft, fire, etc.

  8. Reply
    June 25, 2011 at 7:33 am

    Unfortunately if you didnt purchase a separate policy for it you are out of luck. Homeowners policies provide a small limit for jewelry and probably wont cover your ring. Try calling your insurance agent and asking just to be sure… but I think you are out $ 5k

  9. Reply
    kirsten h
    June 25, 2011 at 8:21 am

    since it was just “lost” out of the ring, this is called mysterious disappearance and NOT covered unless you scheduled that piece on your home policy, which you said you didn’t. So Sorry!

  10. Reply
    June 25, 2011 at 8:33 am

    If it’s not scheduled seperately on an inland marine jewelry floater, it’s not going to be covered, unless you have a super duper Chubb type homeowners policy. But the standard homeowners policy won’t cover ‘oh, I lost it’.

    You can call your agent for sure, to find out.

  11. Reply
    June 25, 2011 at 9:09 am

    If it isn’t scheduled on your policy.. you’re pretty much screwed.. most policies have a max milimt of 2500.. but you’ll need to check to soo it that covers theft only.

    I lost a stone once…..

    Every thing is scheduled now.. and you pay a lesser premium for the thing you don’t wear everyday that you keep in the safe.. I keep a sticky not on the safe.. CALL INS. AGENT.. WEARING THIS THIS WEEKEND!!


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