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Should You Think about Insurance on Valentine's Day?

Do Valentine’s Day and Insurance Go Together?

Love and risk can be unlikely partners on Valentine’s Day. Should that get you thinking about insurance as February 14 approaches?

Remember: Love can be risky but so is going without insurance.

How are Valentine’s Day and insurance connected?

If love is supposed to be in the air on Valentine’s Day, why am I supposed to think about insurance?

The connection between Valentine's Day and insurance is relatively recent. So, it’s not just flower shops, restaurants, jewelry stores, hotels, and chocolatiers that are connected to this big romantic day. Insurance companies have been promoting protection as an act of love on Valentine’s Day.

Should you think about insurance on Valentine’s Day?

Here’s why you should think about insurance as a gift on Valentine’s Day:

  • It’s a lasting gift
  • Financial protection
  • Encourages future financial planning as a couple
  • It’s a growing trend
  • Practical but thoughtful

What Valentine’s Day gifts need insurance?

Here are examples of high-value Valentine’s Day gifts that need insurance:

Jewelry: Diamond engagement rings, High-end watches, necklaces, and earrings.

Electronics: Laptops, phones, TVs, cameras, accessories

Collectibles: Wine, art, coins, trading cards

Sports equipment: High-value bicycles, ski equipment, hockey equipment

Vintage items: Clothing, furs, cars, chandeliers, furniture

How do I ensure an expensive Valentine’s Day gift?

Most home insurance policies do not cover the full replacement cost of expensive items such as an engagement ring, expensive watch, or piece of art.

So as the gift giver, you should consider adding a specific rider to your existing policy to protect the jewelry or other high-end item you have given your loved one on Valentine’s Day. Do not delay when it comes to protecting your gift with insurance.

Adding an insurance rider is an easy way to customize your insurance policy to your specific needs.

When you are insuring a high-end item, such as a diamond engagement ring, be sure to let your insurance provider know its replacement cost.

Can life insurance be a Valentine’s Day gift?

Life insurance will last. It shows that you are committed and planning for the future with your loved one and want to protect them.

If you were to pass away unexpectedly, your loved one would be taken care of financially with life insurance. The money is tax free and can be used to pay off a mortgage, debt, or support your family.

You can choose between term insurance and permanent insurance, based on needs.

Term insurance is designed for flexibility and is cheaper than permanent life insurance. A term insurance policy expires after a pre-determined number of years, usually 10, 15, 20 or 30.

Permanent life insurance covers you for your entire life. In most cases, your premiums are guaranteed to stay the same during your life.

Life insurance is about protecting your family for the future and meeting their needs. It’s a Valentine’s Day gift that shows commitment

Can insurance help if you experience a disaster on Valentine’s Day?

Yes, insurance can help if you experience a disaster or mishap on Valentine's Day, depending on your coverage.

Your home insurance would help cover a fire caused by a candle.

A lost or stolen gift may be covered under your renters or homeowners insurance policy but remember to check the coverage limits.

Think about insurance this Valentine's Day

Valentine’s Day is a time to celebrate with your significant other.

If you are giving a high-end gift, remember, to protect its value with insurance.

If you want to financially protect your loved one, life insurance may be the right Valentine’s Day gift.

Love, insurance, and Valentine’s Day can be romantic!

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Western Financial Group acknowledges that its Head Office is situated on the sacred gathering ground of the buffalo and the healing place of the Medicine Tree. We honor the Blackfoot Nations, including the Siksika, Piikani, and Kainai, as well as the Tsuut’ina and Stoney Nakoda First Nations, the Métis Nation (Region 3), and all who make their homes in the Treaty 7 region of Southern Alberta. As a company with team members and operations across Canada, we also recognize and honour the diverse Indigenous Peoples from coast to coast — including First Nations, Inuit, and Métis — who have stewarded these lands since time immemorial, and we reaffirm our commitment to working together as a community, laying the foundation for reconciliation through education and mutual respect.