u/Artistic_Put2155

Wanted to finally insure my engagement ring and I’ve been comparing a few different companies. Some offer monthly payments while others give a discount if you pay annually. Is the monthly flexibility worth it? Also wondering how people think about coverage if the value of the ring changes over time.

Gold and diamond prices seem to move around a lot and if another company offers me better insurance then I can switch cuz I payed monthly and not for the whole year. Anything else I should be paying attention to when comparing policies?