Valentine’s Day Jewelry: Don’t Forget to Protect What You Give ❤️
Valentine’s Day is one of the most popular times of year to give fine jewelry—engagement rings, diamond earrings, gold necklaces, and heirloom pieces.
But here’s what many people don’t realize until it’s too late:
Most jewelry is not fully covered under a standard homeowners insurance policy.
If you’re giving (or receiving) jewelry this Valentine’s Day, there’s one smart step you should take next.
Why Your Home Insurance May Not Be Enough
A typical homeowners policy has low limits on jewelry coverage, often around $1,500–$2,500 total, and that’s after your deductible.
That means:
A lost engagement ring may only be partially covered
Theft outside the home may not be covered at all
Mysterious disappearance is often excluded
For a meaningful (and valuable) gift, that’s a big risk.
The Smart Solution: Schedule the Jewelry
The best way to protect fine jewelry is by adding a Scheduled Articles Policy or scheduling the item onto your homeowners insurance.
What scheduling does:
Covers the full appraised value
Often includes loss, theft, and accidental damage
Typically has no deductible
Protects the item anywhere in the world
It’s affordable peace of mind for something irreplaceable.
What You’ll Need to Get Started
Scheduling jewelry is simple. You’ll usually need:
A recent appraisal (or purchase receipt)
A few minutes to review coverage options
That’s it.
Giving Jewelry? Add This to Your Valentine’s Plan
Flowers fade. Chocolates disappear.
But jewelry is meant to last—and it should be protected.
If you’re planning a Valentine’s Day proposal, surprise, or meaningful gift, make insurance part of the love story.
We’re Here to Help 💍
At BIS Improved Insurance Agency, we help clients:
Schedule engagement rings and fine jewelry
Review existing homeowners policies
Make sure coverage matches real-life value
📞 Call us before or after Valentine’s Day to protect what matters most.
Because the best gifts deserve lasting protection.
