The holidays are upon us, which makes it a popular time of year to ask that special someone to spend the rest of their lives with you. While it may be the last thing on your mind during such a happy time, with great rings come great responsibilities—including engagement ring insurance. What happens if you lose your ring? If someone steals it? If it gets damaged? You don't want anything to happen to that beloved rock. Whether you've left your engagement ring accidentally behind on the beach, lost a stone at the gym, or had your ring stolen, ring insurance can offer financial protection and peace of mind when you need it most. Here are 9 things you need to know about how to get engagement ring insurance.