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Valentine's Day: Give A Lot of Love, A Little Ice...and Be Sure It's Insured

By Annie George

Posted on 14 Feb 2011

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Valentine's Day...the day most of us step it up a bit (or perhaps a lot!) and show the love...the appreciation to those closest to us. Many of your customers are buying flowers and chocolates, or perhaps planned a weekend getaway, a spa treatment, or a romantic dinner to celebrate the day of love. But some are going all out, surprising that special one in their life with an engagement ring or other fine jewelry. So be sure they know who to go to protect that investment (yes, practical, but necessary).

As you all know, the standard homeowners and renters insurance policies include coverage for personal items such as jewelry, but most limit the dollar amount for coverage on jewelry from $1,000 to $2,000 total.  Your clients just have to do the math to see that beautiful ring they purchased would not be adequately covered should it be stolen or damaged.

Take this opportunity to encourage clients to get an appraisal for their fine jewelry so that you can add their valuables on a separate schedule to their policies. This is the perfect time for, ice, and insurance. That about covers it.