lost ring

Try not to let this disappointment put a big damper on you wedding. Get married with a plain band, put your focus this week on each other and your last minute wedding preparations, and ENJOY this time. What's going to happen with the ring and insurance company is going to happen - don't let the memories of this week be overshadowed by fretting over it - remember, as much as we all love our pet rocks, it's just a thing. Things can be replaced. Congratulations on your upcoming marriage!

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Stephanie

I gather you didn't have the ring separately insured either with a jewelry insurance policy or a rider on your homeowner's or renter's policy. That would have meant submitting an appraisal and paying an additional premium.

If you have regular homeowner's or renter's insurance, your ring may be covered up to $1000. Check that out with your insurance company.

Good luck and don't let this spoil the wedding...you can replace the ring in time.

i wish that you had insured your ring with chubb. i recently did. for a 10,000 ring, the annual premium in my area of the US is ~$130. they offer a lump sum disbursement for the value of the insured item (no replacment ring BS like most home insurers offer!)!
good luck!