Are You Covered?

You have the ring, you've set a date, you said "yes" to the dress, picked out your wedding colors, tasted cakes...but are you covered?

After the proposal, brides, make sure you get insurance for your wedding ring. In today's post by Darcy Miller of Martha Stewart Weddings, she provided a few tips for getting started with wedding planning, one of which was "Insure Your Ring".

Although you may plan on never taking off your engagement ring or wedding band, there will most certainly be times when you have to remove it, so plan ahead.

To get insurance for your ring, you will first need to have an appraisal by a certified gemologist, which your fiance should have received upon purchase. Make sure that your or your fiance reviews the terms of the policy for the ring. Many jewelers may ask that you come in once a month for cleaning and maintenance.

Next, talk to an insurance agent about your options in the case that a stone or the ring itself needs to be repaired or replaced.

You may be able to add a jewelry rider to your existing homeowners or renter's policy, but if not, definitely set up a separate policy.

Newly engaged brides...are you covered...? Leave a comment.