Insuring the Ring

Spoke with my home owners insurance today; to insure any jewelry, it is a certain amount per $1,000.00 per month, which makes insuring my ring around $100.00 a year. Ironically to ensure my house, its only $150.00 per year; who would have thought a ring would be almost equivalent to a house? Needless to say, we are going to do it however Chris has to first send them a letter/email allowing me to insure it since the appraisal is in his name, not mine, and the insurance is in my name, not his.