The holidays bring a special kind of excitement—twinkling lights, thoughtful gifts, and those heartfelt moments when someone unwraps something truly meaningful. Between the hustle of parties, travel, and last‑minute shopping, it’s easy to forget that some of these cherished presents may need extra protection.
Keep Receipts and Appraisals
Whether you’re gifting jewelry, electronics, or collectibles, proper documentation is essential. Receipts and appraisals help verify value if you ever need to file a claim. Store these documents somewhere safe, such as a digital folder or a fireproof box, so they’re easy to access later.
Act Quickly
Many insurance policies have time limits for adding newly purchased or gifted valuables. If something expensive comes into your home this season, don’t wait—your window to update your protection may be shorter than you think.
Update Your Coverage
High‑value items often need more than standard homeowners or renters insurance. Consider adding a personal articles policy or an endorsement to ensure full protection. These options can provide broader coverage for items that may not be fully covered otherwise.
Taking these steps now makes protecting your holiday valuables much simpler. A little preparation today can save you from a major headache down the road.
Before the year wraps up, reach out to your insurance provider to confirm or update your coverage for any new valuables.