Valentine's Day is about celebrating love, and part of that celebration is ensuring your precious gifts are protected.

Picture a candlelit dinner, the glow of warm smiles, and the moment you present a beautifully wrapped Valentine’s Day gift to your loved one. Inside lies a piece of exquisite jewelry symbolizing your deep affection. Amidst the romance and joy, it’s also important to consider how to protect such a valuable expression of your love. While these gifts come from the heart, they also carry significant monetary value, making insuring your Valentine’s Day gift essential.

Home Insurance to Include High-Value Items

Standard home insurance policies typically include coverage for personal property, which extends to items like jewelry. However, there are limits to this coverage, especially for high-value items. If your Valentine’s Day gift surpasses these limits, it might not be fully covered under your standard policy. We recommend reaching out to your insurance agent to learn about your coverage limits and discover the various options open to you.

Scheduling Items on Your Policy

For items of significant value, consider ‘scheduling’ them on your home insurance policy. This process involves obtaining an appraisal and informing your insurance company about the item’s value. Scheduling provides broader coverage, safeguarding against risks like accidental loss or damage.

Updating Your Coverage

Adding a significant gift to your collection is the perfect time to review and update your overall insurance coverage. This ensures that all your valuables, including your new gift(s), are adequately protected. Making sure you are insuring your Valentine’s Day gift properly.

Consult with Your Insurance Agent

Navigating insurance for high-value items can be complex. Your trusted local Rockingham Insurance agent is ready to help. They can clarify your existing coverage and advise on the best way to insure your Valentine’s Day gift.

Valentine’s Day is about celebrating love, and part of that celebration is ensuring that your precious gifts are protected. By taking the right steps with your insurance, you can focus on enjoying this special day, secure in the knowledge that your tokens of affection are well cared for.