Not that it's foremost on your mind on Valentine's Day, but insurance IS an important aspect of a loving relationship.

 It helps protect you and your partner from financial loss, and your insurance needs will vary depending on the stage of your relationship.
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Here are some examples of insurance needs at 5 different relationship stages:

Did you get an expensive gift for Christmas?

If it would cause a financial burden to replace it, you should consider insuring the item.

Insurance options depend on several factors including:​