E-Ring Insurance + Options for Military Couples

E-Ring Insurance + Options for Military Couples

I realize this post is targeted towards military folk but chances are many of you have a friend, brother, father, husband, etc. in the military. As a military wife, I thought I would send out this helpful bit of information for those military couples searching for the perfect engagement ring. Many don’t know that USAA, a common military bank and insurance, offers gorgeous engagement rings and wedding bands. It may seem peculiar to shop via your online bank but trust me it’s worth the price and high quality of diamonds. USAA offers a 30 day return policy so you have the chance to be completely satisfied.


This next step is IMPORTANT for everyone…insure your engagement ring! You should be able insure your ring(s) under your current homeowners/renters insurance policy. Another option is to find an insurance provider that specializes in insuring engagement rings such as Jewelers Mutual, who I don’t have personal experience with but have received reputable ratings.


  1. Is the ring covered if you lose it accidentally, or only if it’s stolen?

  2. How will the company replace the ring — with a check? Or will they require you to purchase a replacement through a specified jeweler?

  3. What if it’s a vintage ring or other unique piece? How will the quality and size of your diamond — and that of a replacement if needed — be documented?

  4. Is the ring insured to full cost or a fraction of it?

  5. How will you need to prove the ring vanished if you make a claim?

  6. Are there any circumstances that aren’t covered? (What if your ring flies off at the circus and gets trampled by elephants, for example?)


Want to create her dream marriage proposal? We have the perfect way. Contact The Yes Girls to get started on your personalized marriage proposal, wedding plan, vow renewal, anniversary or date night today! We're so excited to work with you!

About Heather

Heather Vaughn (Personal Google +)
CEO, Wedding and Proposal Expert

I started The Yes Girls after graduating from the University of Colorado at Boulder because I loved the idea of helping guys propose in completely personalized & romantic ways. Thankfully I am blessed to have my husband, Kyle, who always supports my passionate personality, no matter how extreme my ideas may be! Years later, I’m still hooked. A leap of faith and incredible clients turned this into the best job ever!

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