I just recently got engaged. My fiance loved the ring, which has an appraisal value of $9000. I am seeking insurance for the ring through the Chubb engagement ring insurance program, which I learned about thru their website and thru this forum. THe price ranges I am being quoted range from $250-450 a year, which is a bit more than my budget. I was just wondering if this quote is a good offer, since I know nothing about ring insurance and I dont own a home, I just rent an apt. My fiance lives in Brooklyn, NY. HELP!