Many will surprise their loved ones with special gifts this Valentine’s Day, including expensive jewelry. Purchasing engagement rings and other jewelry is a romantic gesture, but should also involve practical thinking. After purchasing that pricey piece, consider adding the additional gift of insurance coverage. While there is no way to insure the sentimental value of such a gift, having the right amount of insurance will provide financial protection, according to the Insurance Information Institute (I.I.I.). This Valentine’s Day, follow the I.I.I.’s steps to ensure adequate protection for the valuables of your loved ones.