Valentine’s Day is just around the corner, and while flowers and candy are classic, some gifts are meant to last a whole lot longer. Think fine jewelry, a luxury watch, original artwork, collectibles — or something a little less traditional, like a four-wheeler or a that musical instrument your partner has been drooling over all year.
And while we all have Valentine's on the mind, this could apply to recently received gifts too! Maybe you received something valuable during the holiday season and are only now getting around to thinking, Wait…what if something happened to this?
Here’s what many people don’t realize: high-value items often aren’t fully covered by a standard homeowners or renters policy.
Why Certain Gifts Need Extra Coverage
Most insurance policies have limits on items like jewelry, art, and collectibles. Without additional coverage, a loss due to theft, damage, or an accident could mean you don’t receive the item’s full value.
If you’ve recently purchased — or received — something special, make sure you have:
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A professional appraisal to establish its value (and keep it updated)
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Clear documentation such as receipts, serial numbers, and appraisal records
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Separate or scheduled coverage to protect the item beyond standard policy limits
Protect the Gift — and the Thought Behind It
Whether it’s a Valentine’s surprise or a holiday gift you’re still loving, meaningful purchases deserve proper protection. A little planning now can help you avoid costly surprises later.
Before Valentine’s Day, give us a call. We’re happy to help make sure your valuables are properly insured — so you can enjoy them with confidence ❤️