<prompt> Human: First off, yes this is my fuck up because I allowed coverage to lapse. Secondly, yes this is my fuck up because I lost the ring.My question for you all is how should this information be presented to the property insurance company? Should I renew my coverage, wait some time, then say I lost the ring? Or should I spill the beans, be honest, and say I was delinquent until now when I actually need coverage?  <response>: You should self insure the ring.You shouldnt commit insurance fraud. 