I have been engaged for about two months. I want to get my ring insured. However, I only rent and to add it to my renters would mean that I need to increase my renters coverage, resulting in a $500 or so a year premium. (A big jump from the $130 I pay now) Any opinions or ideas of places where I can just get coverage for my engagement ring aside from renters/homeowners? I want it compltely covered for loss/theft/damge etc.Thanks!