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According to the National Retail Federation, consumers were expected to plunk down $18.2 billion last month on gifts for significant others, family members, friends, classmates, teachers, co-workers, and well — yes, pets. Almost one in five givers (18 percent) will buy jewelry, spending a grand $4.3 billion on sparkle, all told.

That’s a lot of jewelry, and it’s only a matter of time until a certain percentage of those pieces are damaged, lost or stolen, resulting in jewelry insurance claims.

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