<prompt> Human: I bought my wifes engagement ring and gave it to her when I proposed. Now she wants to get it insured, which makes good financial sense, and got a quote from an insurance company that specializes in policies for jewelry. Its about 180 a year, with zero deductible. Now, the annual coverage cost isnt burdensome, and half of it even less so. But shes assumingexpecting that were going to split this cost as we do most other household bills. We tend to buy our own groceries so we dont split that, for example, and she pays her own auto insurance and I do mine; she also pays her own credit card bills and vice versa, etc.But in this case I feel like the ring is something I bought for her and gave her as a gift, one shes free to do with whatever she wants. She could sell it one day if we ever split up, etc. So is it right for her to expect me to pay for half of the insurance in year after year?Whats say you all in personal finance land?Assistant: This makes zero sense. Youre married. There is no yours or hers. If you get divorced you divide all the assets 5050 or whatever the prenup says. You also both own all debt that either of you have accrued. Youre married, not dating, theres only we start acting like it. Human: Right, thanks for your advice. I am aware of the fact that my spouse and I share overall financial responsibility, but as I said to someone else we don;t follow an all-in approach where all expenses are taken care of from a single, communal checking account, etc. She has things she pays for and vice versa. Im just trying to see what other folks think about this particular expense item. Does it fall squarely into the communal pool or is it maybe something more of a personal expense for her.  <response>: Then this is a relationship problem, not a personal finance problem. Financially you share everything wether you choose to treat it that way or not within your relationship. This question is for rrelationshipsEdit to add this if my husband was asking this question Id be having some serious questions about his commitment and the potential longevity of the relationship if someone is playing tit for tat and counting points on any part of the relationship. 