02/10/2026
Are you planning on making a big purchase for a special someone this Valentine’s Day? If so, you might not realize that high-value items will need a separate insurance policy.
If you’re buying jewelry, fine art, or collectibles this Valentine’s Day, make sure you have:
✅ An appraisal to determine the value of your purchase, which should be updated regularly.
✅ Well-documented receipts, serial numbers, and appraisal results.
✅ Separate coverage to ensure full protection beyond your standard homeowners policy.
Leaving valuables underinsured could mean that you don’t receive the full value of the item if something were to happen to it.
Give us a call, and we can help you get a separate policy set up for any big purchases you plan to make this Valentine’s Day. Let’s make sure your valuables are properly protected.