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This month many couples will celebrate Valentine’s Day by exchanging gifts and some of those gifts may be quite expensive.  In the excitement of admiring their gifts, people sometimes forget to take the proper steps to make sure these valuable items are added to their household inventory list and insured. When you receive or purchase expensive items throughout the year, you can take the following steps to make sure you’re sufficiently covered in the event of loss or damage.

  • Speak with your insurance advisor about your valuable items and the best options for insuring them.
  • Ask your jeweler to provide an appraisal as you’ll need to insure your item to value as opposed to what you paid for it. For example, you may have purchased a ring valued at $8,000 on sale for $6,500. If your ring is lost, you’ll want to replace it and it may no longer be offered at the discounted price. An appraisal will help you and your insurance advisor determine the amount of insurance you need.
  • Take a photo of your item and keep the receipt, serial number, and appraisal in a safe place.

It is a good idea to review your homeowner’s police with your insurance advisor to make sure you understand what valuables are covered and what those coverage limits are.

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