IS A VALUABLE ITEMS POLICY RIGHT FOR YOU? Protecting Your Most Prized Possessions You’ve likely heard this horrible story before: A family is having work done on their home, and sometime during the process, a woman’s engagement ring goes missing due to theft. The problem is that most homeowners policies don’t have much coverage at all for personal items such as jewelry, electronics, fine art, collectibles, and all valuable personal property. In most cases, homeowners policies only cover roughly $1,000– $1,500 for items lost due to theft! Most engagement rings or fine art pieces cost much more than this; thus, if you have valuable, expensive, or important items you want to protect, valuable items insurance may be of interest to you. A valuable items insurance policy can cover items such as jewelry, artwork, books, silverware, stamps, memorabilia, firearms, baseball cards, and coins. When deciding whether or not this type of insurance will be beneficial to you, your first step should be to check with your current homeowners insurance policy to determine how much it will pay if items of value are stolen. You
BE MINE! 6 Pieces of Valentine’s Day Trivia
The Hallmark cards have hit the shelves, boyfriends and husbands have all scrambled to plan, and the local restaurants are all swimming in reservations — Valentine's Day has arrived! On this day, many are left wondering how far back exchanging valentines goes, why we exchange valentines, and where those little heart-shaped candies come from. Look no further, we have answers for you. The first valentine dates back to the 15th century. According to History.com, the oldest record of a valentine was in 1415 when a French medieval duke named Charles wrote a poem to his wife while in prison. One of the lines read, “I am already sick of love … My very gentle Valentine.” Saint Valentine is not the same person. It’s unclear which Saint Valentine the holiday is named after. One was a Roman priest who was sentenced to death after being caught illegally marrying couples during a marriage ban and the other was a man who got caught helping Christians escape into Rome — he later wrote a letter from prison, signing it, “From your Valentine.” Mass-produced valentines weren’t a thing until the 1840s. Known as the Mother of the American Valentine, Esther A. Howland commercialized Valentine’s Day cards that were decorated in ribbons and lace (as some are today) in the 1840s. Sweethearts candies were born in the 1860s. Oliver Chase, a Boston pharmacist, created a machine that produced medicinal lozenges (a common way to take medicine back then). With the success of his machine, he decided to use it to make candy as well, and thus Sweethearts were created in the 1860s. Valentine’s Day is an expensive holiday. According to the National Retail Foundation, in 2019, Americans spent more than $20 billion on the holiday to buy gifts that included flowers, chocolates, cards, and jewelry. It’s a popular day of engagement! According to a survey by American Express, millions of couples get engaged on Valentine’s Day. It was also voted as the best day of the year to pop the magical question.
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