Love Is in the Air… Is Your Jewelry Covered? ❤️

Written By Kyle Bishop

Why Valuable Items Coverage Matters After Valentine’s Day

Jewelry Insurance

Valentine’s Day is all about love, romance, and maybe a little sparkle. Whether it’s a new diamond necklace, a luxury watch, or that “I can’t believe you did this!” surprise gift, many Valentine’s presents come with more than sentimental value — they come with real financial value, too.

And while love may be priceless… jewelry definitely is not.

The Hidden Risk of High-Value Gifts

Most standard homeowners or renters insurance policies provide limited coverage for jewelry and other valuable items. In many cases, there are caps on theft losses and restrictions on certain types of damage.

So if that stunning engagement ring gets lost on vacation, or that beautiful bracelet disappears during a night out, your base policy may not cover the full value.

That’s where Valuable Items Coverage comes in.

What Is Valuable Items Coverage?

Valuable Items Coverage (sometimes called scheduled personal property coverage) is designed specifically for high-value belongings such as:

  • Engagement rings and wedding bands

  • Fine jewelry

  • Luxury watches

  • Heirloom pieces

  • High-end gifts

This coverage can provide protection for:

  • Accidental loss

  • Theft

  • Mysterious disappearance

  • Damage

In many cases, it covers situations that a standard homeowners policy would not.

Why It’s Worth the Extra Protection

Let’s be honest — the last thing anyone wants after a romantic proposal is a call to the insurance company saying, “So… funny story…”

Valuable Items Coverage helps ensure that if something happens, you’re protected financially. It allows you to enjoy the gift without worrying about what could go wrong.

Because nothing kills the Valentine’s vibe like realizing your brand-new ring isn’t fully covered.

A Quick Coverage Check Never Hurts

If you received a high-value gift this Valentine’s Day, now is a great time to:

  • Review your homeowners or renters policy

  • Check your coverage limits

  • Consider scheduling the item properly

At LBP Insurance, we can quickly review your policy and let you know whether your new treasure is adequately protected.

Love may last forever — and with the right coverage, your jewelry can too. Contact us today!

Kyle Bishop http://www.KRBishop.com
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