Money Matters
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Hello! I have a service protection plan from Kay that covers maintenance and replacing a lost or broken stone but should I get a rider or other plan to cover its theft or other issues?
Re: Ring insurance
You should be able to schedule it on your homeowners insurance policy. That will cover it for theft/mysterious disappearance, etc.
If you don't have a homeowners policy, then you should be able to insure it on a renters insurance policy or what companies call an "inland marine" policy. Which is a policy specifically for scheduling valuable items.
We have $4k on my ring, and it costs us $35 a year on our homeowners policy. That is with a $0 deductible. Worth the peace of mind to me.
TTC since 1/13 DX:PCOS 5/13 (long, anovulatory cycles)

Clomid 50mg 9/13 = BFP! EDD 6/7/14 M/C 5w6d Found 11/4/13
1/14 PCOS / Gluten Free Diet to hopefully regulate my system.
Chemical Pregnancy 03/14
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www.5yearstonever.blogspot.com
I think you are referring to what is called a Valuable Personal Property Rider, which is tacked onto your renter's or homeowner's policy.
Many people do carry these on family heirloom jewelry and e-rings/wedding bands.
It really just depends on the value of the jewelry piece. Are we talking $1k, $10k, $25k ring here?
My opinion is that if the piece is over a few thousand dollars and/or it's truly a rare, one-of-a-kind piece, to go ahead and insure it.
This is me as well