With today being Valentine's Day, lots of couples are buying each other expensive gifts. Jewelry is the biggest one, in fact in 2016 people spent almost 20 billion dollars on Valentine's Day. Did you know that most insurance policies have limits on lost or stolen jewelry? (This also applies to many other items like coins, guns, sports equipment, etc.) If your item exceeds that limit you need to tell your insurance company or insurance agent and have your expensive item insured separately.