I have a seperate policy on my house that I rent out to cover my regular jewelery (they only cover up to about 2-3k normally). This is with The Hartford, I have had them for 4 years since I bought the house, with no issues (they cover my property and the renters in the house). For the engagement ring, I insured it through our HOI on our current house through State Farm. They were great and had it insured within 2 days.