Millions of couples rekindled the romance this Valentine’s Day. In 2020, 21 percent of shoppers chose jewelry to show their love, according to a 2020 Instore Magazine article.

If you splurged on your valentine, as so many people did, then it’s time to practice a bit of “romantic practicality”. Insure Valentine's Day jewelry and protect that precious purchase.

First things first: a jewelry insurance policy from Jewelers Mutual is a repair or replacement policy.

Instead of just getting a check, you'll work directly with your jeweler (not someone we choose for you) to repair your jewelry or find a suitable replacement piece. Jewelers Mutual will work with your jeweler behind-the-scenes to coordinate payment.

Now that it's clear you'll receive a same-kind-and-quality replacement, not a check, let's move on to what is and isn't covered.

Everyone wants to save a little money when they can, right?

As with any insurance, there are certain safety precautions you can take to pay a lower jewelry insurance cost.

Jewelry insurance is often forgotten and when it is thought of, it’s often misunderstood. We’re debunking five of the biggest myths around jewelry insurance.

"How much is my jewelry worth and is it covered for current value?"

You’re not alone if you don’t know the answer. The most important thing is that you find out and keep your jewelry covered for current value before it’s too late.