Protect your Valentine’s Day purchases with insurance

Protect your Valentine’s Day purchases with Insurance

It’s likely that your plans for Valentine’s Day, don’t include a visit to your local McSweeney & Ricci Insurance office, (although we’d love to see you and p.s. we like chocolates). But, if you are planning on gifting expensive items such as an engagement ring, a diamond bracelet, jeweled earrings or a nice watch, you’ll want to give us a call.

The typical homeowners and renters insurance policy covers your jewelry and other possessions from fire, theft, and the other perils listed in your policy, but there’s a limit to how much money a policyholder can be reimbursed after a piece of jewelry is stolen. Many policies limit the coverage for jewelry to only $1,000 or $2,000, which won’t cover the cost of the average engagement ring. “According to the Knot’s 2016 Real Weddings Study, Americans spent an average of $6,163 on engagement rings.”

There are two choices for keeping your Valentine’s bling protected:



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