Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
Not if the ring is not "scheduled" specifically for coverage as a rider to your Homeowners' policy. Homeowners covers your belongings for specific perils, as listed in the contract. If an item is "lost" or "mysteriously dissappears", these unfortunately are not covered perils in a Homeowners policy.
If the ring is scheduled on a rider or insured separately on it's own such policy, then the lost ring's replacement would be covered.
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If the ring is scheduled on a rider or insured separately on it's own such policy, then the lost ring's replacement would be covered.