Ensure Your Love Lasts With Your Valuables This Valentine’s Day

Staff | 02/13/2024

valueableimgValentine's Day is the celebration of love, a special moment to show affection and appreciation towards your significant other. While heart-felt words and embraced moments are treasured, a tangible gift adds sparkle to the occasion—sometimes quite literally, when it comes to jewelry. But with such precious tokens of love comes the weight of responsibility. Luxurious gifts are not just emotionally valuable; they hold significant financial value too. In the spirit of love, but with practicality at heart, insuring your Valentine's gift and other valuables with a Valuable Articles Insurance policy is an act of love that shows your foresight and care. 


Why Is It Important To Opt For Valuable Article Insurance?

The reasoning is straightforward: do you possess prized possessions that you want to safeguard against loss, theft or major damage? If yes, then acquiring this coverage should be a priority for you. Keep in mind that typical homeowners insurance plans provide only minimal protection for jewelry and other precious items. It may come as a shock, but often these plans cap coverage for jewelry claims at $1,500 and for silverware at $2,500.

Anyone who holds items from the list below, or similar valuable belongings, should consider Valuable Article Insurance:

  • High-end Jewelry
  • Designer Furs
  • Exquisite Art Pieces
  • Musical Instruments
  • Rare Collectibles

*This list isn’t exhaustive. You may have additional valuable items that qualify for this protection.


How Can You Get This Type of Insurance Policy?

At Massey, Clark, Fischer, our insurance professionals are ready to guide you through selecting the appropriate Valuable Articles Insurance plan tailored to your needs. The process involved is straightforward. You have the option to choose between two forms of coverage: Blanket or Itemized.

Blanket insurance is designed to protect varying kinds of property situated at a single location, identical types of property across multiple locations, or diverse properties at several locations.

Itemized insurance entails cataloging each item separately and assigning a predetermined value within the policy. To establish an item's worth, you will require a sales receipt dated within the past year or a recent appraisal, not older than three years. We will also request detailed descriptions and photographs of the items in question.


Unsure About Whether This Type Of Coverage Is Right For You? 

Deciding whether to buy additional coverage or not might be challenging if you are unsure of the full extent of your belongings. Compile a detailed list to conduct a thorough review of your assets. Remember to check places like your attic or garage or any other storage areas where you keep valuable items like antiques and other collections. Don’t forget your equipment and electronics in today’s high-tech world. When speaking with the agent at MCF, they’ll be able to help you determine what can fall under your home insurance and what needs additional coverage.

Leverage our knowledge and experience to find out methods for protecting your valuable items with a Valuable Articles Insurance policy. With more than six decades of experience in insuring both individuals and businesses across Florida, you can depend on us to find the right policy for you. Reach out to us at: (561) 478-1660. 


Disclaimer: The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.

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