Cupid Approved: Coverage for the Gifts That Sparkle

Valentine’s Day brings out the sparkle — from new jewelry to meaningful heirlooms that tell a love story all their own. While Cupid handles the romance, it’s smart to make sure those glittering gifts are protected. A little coverage now keeps life’s unexpected moments from dimming something truly special.

What Has Meaning to You

You probably own more valuables than you realize. Besides jewelry, here are some other items that may be in your collection that you haven’t considered. These are the items that if lost, stolen, or damaged, might hurt your heart.

  • Fine art
  • Antiques
  • Firearms/weapons
  • Rare books and manuscripts
  • Fur
  • China and crystal
  • Musical instruments
  • Stamps and coins
  • Cameras
  • Silverware

Now that we’ve tapped into joyful memories, let’s reflect on stressful ones. Think about that feeling you have every single time you watch your military movers pack up your things. Again and again, every few years, we military families welcome movers into our home. Although we do what we can to take as many important items with us in our car or carry-on bag, we often end up crossing our fingers and trusting the movers to handle the rest.

AFI’s Valuable Item Insurance

Protecting your valuable collections, jewelry, and symbols of love is affordable through AFI’s Valuable Item Insurance. It’s worth noting that homeowner and renter insurance policies provide some coverage for personal belongings, but many cap the dollar amount. AFI’s Valuable Item coverage is designed to bridge that gap. Here’s a brief overview:

  • Each $1,000 of coverage is only $9 per year with no deductible.
  • Appraisals are requested on all insured items, and are required for any item valued at or above $10,000.
  • Gemstones valued at or above $10,000 require a current appraisal from a graduate gemologist.
  • Minimum valuation per item is $100.
  • You can get coverage for a single piece of jewelry or for multiple items.

As we celebrate the people and things we hold dear, make sure your cherished valuables are protected. AFI is here to safeguard what matters most.

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