While you’re shopping for last minute gifts for the women in your life, please remember one thing: You can never go wrong with colorful, sparkly things that come in small boxes—your sister, daughter, mother, mother-in-law, girlfriend, wife or wife-to-be would hardly turn a scowl toward a beautiful bauble.  But if you really want to impress her, here are some tips for making sure that you get the perfect piece of jewelry:

• Do Your Homework Take a minute and pay attention to the kind of jewelry she wears all the time, or even peek into her jewelry box (you know, the one she’s been covertly leaving open for weeks hoping that you’d take a look??).  It will give you a good idea as to what her tastes are and what she is most likely to wear. Hint: She wears what she likes!

• Go Independently Don’t ask her to come with you to pick it out. In most cases, she will be inclined to pick things based on price or practicality as opposed to picking out something she actually likes.  Also, you’ll be ruining your own greatest advantage: the element of surprise! The most exciting part about receiving jewelry for a gift is seeing what it looks like. It’s not just that it needs to look pretty, but a girl hopes it fits her tastes and, if you pick it out on your own, you show her how well you know her.  Hint: If you pick it out on your own and it fits her tastes, you show her that you’re paying attention.

• Have Fun Don’t look at this purchase as a burden.  If you begrudgingly go through this process, you’ll inevitably rush through it and pick the thing you settle for and not the thing you know she’ll love. And in that case, it really would be a waste of your time and money. Think of it as a way to continue getting to know her better and to keep her on her toes with the all the surprises you’ve got up your sleeves. It will keep her intrigued and prevent her from placing you in a category of predictability.

Well now that you have that perfect gift in hand or in mind, it is a good idea to make sure that nothing bad happens to it. Talk to one of insurance experts about insuring this piece of jewelry with a MA Jewelry Insurance endorsement on your MA Home Insurance policy. A typical jewelry insurance policy will protect against things such as theft, loss and damage.

Give her the perfect gift with the perfect insurance policy and make sure it lasts!