Three key advantages: no deductible (versus your standard homeowners deductible of $1,000 to $5,000), mysterious disappearance coverage (lost items your homeowners excludes), and agreed value payment with no depreciation. The annual premium for scheduling a $5,000 engagement ring is typically $50 to $100. That is less than the deductible on a standard homeowners claim alone, covering a loss your homeowners would not even pay in full.

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