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Insurance matters related to Valentine’s Day gifts

Valentine’s Day is just a week away. So, in a week, many people here in Florida may be receiving presents from and giving presents to that special person in their life.

Many people greatly cherish the gifts they receive from their significant other over this holiday. So, it can be a very disheartening thing for a person when such a gift they received ends up getting damaged or stolen.

One thing that could make this already sad situation even worse is getting an unpleasant surprise when it comes to insurance matters related to the lost/damaged gift. Valentine’s Day gifts sometimes have a great deal of monetary value. So, what happens in insurance matters related to the loss of such a gift could have significant financial ramifications for a person.

One unpleasant insurance-related surprise that could come up for a person in connection to an expensive gift they received getting stolen or damaged is finding out that their loss isn’t covered by their insurance policies or isn’t covered as much as they thought it would be. Standard homeowners/renters insurance policies generally have limits on what sorts of losses and how much in losses they will cover when it comes to expensive gifts.

So, when a person gets an expensive Valentine’s present, they may want to carefully look into the insurance situation related to the gift. This includes looking into what their current policies would cover and whether they would want to get any policy add-ons to increase the coverage the gift would have. Being properly informed could help with avoiding the above-mentioned type of unpleasant surprise.

Another unpleasant surprise that could come up insurance-wise in relation to a Valentine’s Day gift for a person is a theft or damage claim they made to an insurer being denied for an improper reason. When a person suspects that an insurance claim they made was improperly denied, it can be important for them to understand what particular rights they have and what actions they can take in connection to these rights. So, when in such a situation, a person may want to turn to a lawyer skilled in insurance claims matters for guidance.

Source: U.S. News & World Report, “7 Facts About Insuring Expensive Valentine's Day Gifts,” Laura Adams, Feb. 6, 2017

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