ATLANTA -- Don’t forget insurance as part of the Valentine’s Day shopping, Georgia Insurance Commissioner Ralph Hudgens advised Monday.

It’s not that Hudgens has been married to the same woman, Suzanne, so long that he’s lost all sense of romance. In fact, the two often travel together to speeches, campaign events and evening receptions, and they’re frequently seen holding hands.

Instead, Hudgens was offering a warning to Romeos who give pricey gifts.

“Diamond bracelets and even engagement rings are common presents received on or around Valentine’s Day,” he said. “In the event of a fire or tornado, small items like these are often lost or misplaced. It is best to update your homeowner’s insurance now, in case such an incident later in the year forces you to leave your home suddenly.”

Besides accidents, that token of affection could capture someone else’s eyes besides just that special someone, he warns.

“Also, thieves usually look for jewelry during a break-in,” he said.

Expensive items may been to be added specifically to a policy. Other household items that are customarily included in basic coverage still need to be in an inventory that can be submitted with a claim, including brand names and model numbers of electronics.

Experts recommend keeping photographs or a video along with a written list of valuables.

Users of iPhone and Android smart phones can download an app provided by the National Association of Insurance Commissioners found on Hudgens’ office website. It will take pictures, scan barcodes, add purchase prices and dates to the inventory as well as provide tips on disaster preparation.

On the web: www.oci.ga.gov