It’s estimated U.S. consumers will spend $20.7 billion on Valentine’s Day gifts in 2019 according to the National Retail Federation, of that an estimated $3.9 billion on jewelry. If you are giving or receiving, make sure you take the appropriate steps to insure your valuables. Most think their jewelry is covered by their home insurance policy, but the provisions are very small, and you need to make sure you are fully insured. You might not initially be thinking of anything happening to your precious and sentimental token, but the sooner it’s insured, the sooner you’ll be protected. While insuring your jewelry may be the last thing on your mind, being properly informed about being insured can be a great piece of mind.
Most people are aware of the main factors that affect their auto insurance rates. Your gender, age, marital status, geographical location, and credit score all affect your insurance rates in different ways. But many don’t know how much everything about your vehicle affects the rate. If you plan on purchasing a car this year, these factors could have an impact on saving some money.