Protecting Your Holiday Valuables This Season

The holidays bring a special kind of joy—twinkling lights, thoughtful gifts, and the excitement of wrapping and unwrapping items that often carry both sentimental and financial value. With so much going on this time of year, it is easy to overlook whether those new treasures are properly protected.

Between the rush of shopping, gatherings, and year-end to‑dos, important steps like reviewing coverage or saving documentation can slip through the cracks. But a little attention now can help you avoid big headaches later.

Update Your Coverage

Some gifts—like jewelry, collectibles, or high‑end electronics—may exceed the limits of a standard insurance policy. Adding a personal articles policy or an endorsement ensures these high‑value items are fully protected.

Keep Receipts and Appraisals

Proper documentation is essential if you ever need to file a claim. Hold onto purchase receipts and appraisals, and store digital copies in a safe place. Clear records help verify ownership and value, making the claims process much smoother.

Act Quickly

Many policies have time limits for adding newly purchased or gifted valuables. The sooner you report new items to your insurance provider, the better your chances of securing full protection without gaps.

Safeguarding holiday valuables does not have to be overwhelming. With a few proactive steps, you can enjoy the season knowing your new treasures are properly protected. Review your policies now so you are not scrambling after the holidays.

Before the new year arrives, reach out to your insurance provider to confirm or update your coverage.