Does renters insurance cover lost jewelry?
Renters insurance is there to guard against loss due to theft or damage (such as from fire, storm, etc.) not if you lost or misplaced an item. Unfortunately, your limit is too low to cover your loss if it was eligible. If it turns out the ring was stolen it could be covered – it depends on your particular insurance company and their restrictions/riders attached to the policy. Not all companies require you to schedule jewelry (some do though and if it wasn’t included it will not be covered) just as long as it eligible, but they will require proof of value and ownership. Unless you have serious reason to believe the ring was stolen and are willing to file a police report to that effect, then you will not not be eligible to file for a claim for theft. I know a couple who placed a claim for the loss of their wedding rings thinking they had been stolen because their bedroom window was open when they arrived home one night and were unable to find them. However, it later turned out the rings
