In the loss of use coverage renters category, you may have a limit of $ 5,000 but a sub category limit of $ 1,000 for moving related costs. (rentersinsurance.net)
You may have an overall limit of $ 30,000 but you might have sub category limits of around $ 3,000. (rentersinsurance.net)
Most standard home insurance policies have a jewelry category limit between $ 1,000 and $ 2,000 and you would need to purchase a floater policy to cover the ring. (valuepenguin.com)