University Insurance Group February 2026 Newsletter

A Heart-to-Heart About Your Insurance Coverage

While February is often filled with flowers and chocolates, we believe the greatest gift you can give is the promise of a secure future. Over the past year, your life or business may have grown, and your current coverage might not fully reflect those changes.

This month, we invite you to show your future self and your loved ones some care with a FREE Annual Policy Review. We’ll help you bridge any gaps and eliminate unnecessary costs so your protection is as strong as your commitment to those who matter most and avoid the "heartbreak" of being underinsured!

Love Your Valuables: Why This Valentine’s Day Calls for a "Floater"

Valentine’s Day is right around the corner. While most people are busy booking dinner reservations or picking out the perfect bouquet, many are also preparing for a "big reveal", a sparkling engagement ring, a luxury watch, or a piece of fine jewelry meant to last a lifetime.

But, here is the unromantic truth: Your standard Homeowners or Renters policy often has a "heartbreak" limit.

Most basic policies cap coverage for high-value items like jewelry or electronics at a specific amount often around $1,000 to $2,500. If that stunning new anniversary gift costs more than that, you might be underinsured without even knowing it.

What is Floater Insurance?

A "Floater" (also known as a Personal Articles Floater) is a mini-policy that "floats" with a specific item, providing broader protection than a standard policy.

✅ Full Value Protection: It covers the item for its appraised value, not just the sub-limit of your home policy.

✅ Accidental Loss: Standard policies usually cover theft or fire. A floater can protect you if a diamond falls out of its setting or if you leave your new watch in a hotel room.

✅ No Deductible: Many floaters offer $0 deductibles, meaning you aren’t out of pocket if you need to make a claim.

Protect the Symbols of Your Love

Whether it’s a family heirloom you’ve recently inherited or a brand-new gift for your spouse, Valentine’s Day is the perfect time to audit your valuables. Ensuring your gifts are properly scheduled on a Floater policy isn't just about the money, it’s about the peace of mind that comes with knowing your most cherished items are safe.

Don’t let a lost ring or a stolen gift ruin your February. Contact us today for a quick quote to add a floater to your policy. It’s a small price to pay to protect the things that mean the most.

FURTHER READINGS:

We've gathered a few reads to help you navigate February from sports excitement to Valentine's gift ideas.

• As many Americans gear up for a day of Super Bowl food, peruse this Food Network list of the best snacks!
• From a LEGO bouquet to a personalized song, this curated guide from CNN offers creative gift ideas to impress your Valentine.
• Planning to put your home on the market this spring? Consider these prep tips now from Realtor.com.
• Get the full scoop from PBS News on what to watch at the 2026 Winter Olympics.
  

February is American Heart Month and Black History Month

Here are a few key dates and reminders to keep in mind this month.

• February 8th is Super Bowl Sunday. America's biggest TV spectacle is here! Whether you're hosting a watch party or heading to a friend's house, remember to drive safely and consider ride-sharing options if alcohol is involved.
• February 9th is National Pizza Day. Consider this the perfect excuse to order your favorite pizza and enjoy a delicious slice (or three!).
• February 14th is Valentine's Day. Whether you're planning an intimate dinner, celebrating with friends, or spending quality time with family, it's a day to show love and appreciation to the people who matter most.
• February 16th is Presidents' Day. This Presidents Day is a particularly momentous holiday as we celebrate our nation’s 250th year.
• February 17th is the Lunar New Year. Nearly 20% of the world's population will celebrate with fireworks, good food, red envelopes, and blessings. It's a vibrant celebration marking new beginnings and prosperity for the year ahead.
• February 22nd is National Walk Your Dog Day. Grab your leash, some treats, and your walking shoes, and take your furry friend for a stroll. It's good for both of you and a wonderful way to enjoy some fresh air together!
• Ramadan begins in mid-February. The ninth month of the Islamic calendar is one of the holiest months for Muslims worldwide. This year, Ramadan will be observed from mid-February through mid-March as a time of fasting, prayer, reflection, and unity.

Some of us can’t wait for this holiday of love! Others, well, not so much …