If you lose a stone out of a piece of jewelry, there’s no coverage. (Free use image)

As Valentine’s Day draws near, people's thoughts tend to drift toward romantic things: fancy dinners out, chocolate, flowers and jewelry.

The dinners, chocolate and flowers are straightforward as far as insurance goes. Dinners and chocolates are consumable, and flowers, while lovely, only last a week or two.

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Christine G. Barlow, CPCU

Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.