You should consider insuring your engagement ring. You can arrange to have your rings insured before they leave the jeweler's shop.
The insurance company will ask for a written evaluation and then it is up to you to decide on the type of policy you want.
Always read and understand the fine print of your insurance policy to make sure that there are no loopholes, such as they may only replace a lost or stolen ring at the appraisal value, which may in time be a lot less than its replacement value, or the entire band may be insured if it is lost, but if the stone is lost, the company is not liable.
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