It was the ring of her dreams. I'll never forget the look on my fiancé's face when she discovered the diamond had fallen out of its setting. But I remembered we had a warranty through the jeweler. It turns out that when we missed those scheduled cleanings and maintenance that the warranty called for, we voided the warranty. Now I'm stuck making payments on a lost ring, and I have a broken-hearted fiancé.

Scheduling property - If you own valuable items or collections, you may want to schedule those items in your homeowner policy.  When items are scheduled, they are listed in your policy with separate, often broader, coverage. More about scheduling personal property