Personal Articles Policy

You may have more valuable possessions than you realize. With Valentine's Day rapidly approaching, you should consider how you're going to protect that beautiful new bauble you're buying for your sweetie. Your Homeowners/Renters Policy can provide some coverage, but with deductibles and limitations. A Personal Articles Policy can provide the additional coverage that you may need.

Some items the Personal Articles Policy may cover are:

• Jewelry
• Furs
• Cameras
• Musical Instruments
• Silverware/Goldware
• Golf Equipment
• Fine Art (such as oriental rugs and paintings)
• Collectibles
• Sports Equipment
• Computer Equipment

A Personal Articles Policy provides broader (more) coverage for your items. For instance, your HO/Renters policy won't cover your shiny ring if you simply lose it, but a PAP will cover you--even if you lose your ring in another country!

Candle Fires

It's an image straight out of a romantic movie: A room decorated with beautiful flowers. The dinner table is set for two. The seductive glow of flickering candles throughout the room complete the romantic mood. Many couples will commemorate Valentine's Day with a scene like this without realizing the potential dangers of improper candle use. State Farm wants to remind you that, while decorative and fragranced candles may be an attractive addition to your home décor, if used improperly, they can be a serious fire hazard.

State Farm claims data shows that February is the third highest month for home fires. While not all of these fires can be attributed to candles, it does serve as reminder to be cautious with an open flame. The fact is that more than one-third of home candle fires are started in the bedroom. Most candle fires are caused by combustibles being too close to the candle, such as drapes. The next common cause is when candles are knocked over by wind, doors, children or pets.

One of the most important ways to reduce your risk of a home fire due to candles is to never leave a candle unattended. Always keep burning candles within sight and use candles only in rooms where there is a responsible adult to control and oversee the flame. Consider these additional tips to reduce your risk of a destructive candle fire:

• Extinguish all candles when leaving a room or before going to sleep and do not use candles in sleeping areas.
• Keep candles away from combustibles such as clothing, books, decorations, window blinds, and curtains.
• Keep candles away from high-traffic areas where they can be easily knocked over, including any area accessible to children or pets.
• Place candles on stable surfaces in non-tip holders that grip the candle.
• Place candles in holders that can't burn and are big enough to collect dripping wax.
• A safer alternative to open flame candles are battery-operated flameless candles.