We had just returned from an enjoyable boat ride on the lake. My friend and I headed up to the house to start making lunch. As we were awaiting her husband to join us, we noticed he was looking for something down by the water. He looked frantic and we kept calling him to come inside. Finally, he reveals the reason for his delay. He was looking for her engagement ring that had fallen somewhere, but where…the boat or even worse the water!
Earlier, she had taken off her ring so she wouldn’t lose it in the water and put her ring in an empty cigarette box, which was safely placed in the glove compartment of the boat. And we thought we were being careful…
When her husband grabbed the box, the lid wasn’t shut completely and there goes her ring. Slips right out and it’s gone just like that. That sick feeling in the pit of your stomach is suddenly present. You’re thinking this isn’t real, this can’t be possible! It’s one of those moments you think will never happen to you, but it just did.
The worst part…the ring wasn’t insured.
We all jumped up and started to process the reality of the situation at hand. Now, we’re all frantically looking for this precious family heirloom diamond engagement ring that is NOT insured.
If the ring had fallen into the water, the chances are so slim that we would recover it. This would definitely ruin the rest of the trip if we lost the ring. Not only is the ring irreplaceable, but it would be very expensive to replace.
But wait…like a shimmering beacon of hope that lights up a dark tunnel, there sat a shining diamond ring upon the cement block under the dock. Instead of falling straight into the lake, the ring was saved by the base of the dock. Luck has never been more on our side and relief never felt so good. We can all laugh about the story now, but at the time it was a panicking and nauseating situation.
Even if your ring is lost for good, it’s never truly replaceable. However, knowing your ring is insured, you can at least take comfort that your insurance can help replace your ring.
I often have moments where I took my ring off somewhere and can’t find it for a few minutes. Those few minutes are terrifying, but at least my rings are insured.
You can never predict the future and unfortunate events can happen so it’s best to make sure that you insure your engagement and wedding rings.
Contact your insurance agent and find out what is the best policy for you. Protect your precious investment as you might not be as lucky as us.
