Are lost wedding rings covered under homeowner's insurance or only stolen rings?
Some carriers are less technical than others, so if your policy says, lost or stolen, then its covered. You should read the fine print carefully or consult with your agent.
by anaise - 3 hours ago
Lost ones are generally covered as well, but if you really want to be sure you should check with your insurance company. We have a $12,000 sub-policy on my wife's wedding ring, and if anything happened including loss or theft, we could claim it.
by Bob - 3 hours ago
If the 'rider' is an HO41 form, then yes, oops I lost it is a covered peril. But usually there isn't a deductible on that form. So without seeing the policy, it's impossible to know for sure. You'll have to ask your agent.
by mbrcatz - 3 hours ago
You should check with your insurance company, but I think only stolen jewelry will be covered, even with a rider. If you have a copy of the rider and/or policy handy read the details of your coverage. If they were going to cover it, the details in the policy would specifically state LOST or stolen. The "small print" in some policies could be hard to understand, that is why I suggest calling your insurance company to be sure.
by Toto - 3 hours ago
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