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The National Retail Federation anticipates that in preparation for Valentine’s Day, consumers will have spent more than $18 billion. Of the total spending, $4.3 billion will have been put toward jewelry purchases.

As an agent or broker who works with high-net-worth clientele, chances are your clients are part of the nearly 20 percent of shoppers who purchased jewelry for a loved one this Valentine’s Day. However, with fine jewelry appreciating in value, coupled with various jewelry-related insurance nuances, your clients’ purchases could expose them to a wide range of new (and potentially costly) risks.

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