...theft? I purchased an engagement ring through the internet. It was in the Fedex box one day on my table and then all of a sudden it wasn't. I just don't know whether someone slipped in and took it (the table is close to the front door which sometimes we leave open - doh), or whether someone here just threw the box away without realising that there was something in it (of course everyone in the house swears they didn't).

My home insurance (same with the retail protection on my credit card) covers theft but it doesn't make mention of loss. It's not in the coverage section, but it's not in the exclusion section either. Can anyone advise me on how to approach this, seeing as I just don't know whether it was lost or stolen?

If you suspect theft, a police report would be a sure thing to have if you want to report a claim.

Anything otherwise'll not cut it. So even if your insurance covers that type of loss,you should've taken the steps to minimize your exposure with a police report.

I suspect you'd have to eat this loss. I kinda suspect someone disappeared that ring - which would make it a theft (technically). If it was thrown away inadvertently, hopefully someone would find it some day as an antique. Who knows, you may just be that person!

Sorry man.

Oops I lost it, isn't covered unless you've specifically insured the ring on a jewelry floater. If you haven't specifically insured it, it's not covered.

When you read your policy, you'll notice that CONTENTS, aka, stuff, is covered on a NAMED PERIL basis - in other words, they list the things they cover FOR, like fire, theft, wind, hail, aircraft damage, falling objects, etc. If it's not listed as a covered peril, it's not covered.