Valentine’s Day is one of the most romantic days of the year, and if you’re in a relationship then it’s probably a day that you can expect a great gift from your special someone. In fact, Valentine’s Day is one of the biggest days of the year for getting engaged. If you’re already married, then you can probably expect a beautiful piece of jewelry or another big present this year.
Unfortunately, there are a lot of criminals who also know that there will be a lot more valuable jewelry, electronics, and other gifts on the streets, in cars, and in people’s homes in the coming weeks. While losing a sentimental gift will be hard emotionally, you want to make sure that you’re financially prepared as well.
For many people, their engagement ring and other jewelry are some of the highest value assets that they own outside of their home or car. Losing a single piece can be a huge financial blow. That’s why it’s important to insure these items just as you would your house or car.
A personal articles insurance policy can help to give you the peace of mind you need. These insurance policies can be written to cover all kinds of items, including:
- – Jewelry
- – Appliances
- – Electronics
- – Collectables
- – Fine Art Work
- – Furs
- – Instruments
Personal article insurance policies are designed to supplement the coverage provided by homeowner’s policies. Because homeowner policies have high deductibles and restrictions on what is covered, many people discover that after the theft or loss of a piece of jewelry they can’t use their existing policy to cover the loss. With a personal article policy, however, the entire value of the objects lost can be covered.
While signing up for one of these policies is relatively simple, it is a good idea to hold on to some proof of the value of the items you are insuring. A receipt or letter of appraisal can provide the proof of value that these policies often require.
If you have any questions on whether or not your particular items can be insured with a Personal Articles Policy, call Waitte’s Insurance Agency today at (860) 886-1961.