The holidays bring a special kind of magic—twinkling lights, gift exchanges, and the warm joy of seeing loved ones unwrap something meaningful. With all the excitement, it is easy to overlook one important detail: making sure those cherished, and sometimes expensive, gifts are properly protected. And with a busy holiday season, it is completely understandable that insurance updates may not be top of mind.

Update Your Coverage

If you receive or purchase high-value items—such as jewelry, fine art, collectibles, or electronics—it is important to review your insurance coverage. Many standard homeowner and renter policies have limits on what they cover. Adding a personal articles policy or endorsement ensures these items are protected beyond basic limits.

Act Quickly

Some insurance policies have time limits for adding newly purchased or gifted valuables. Acting promptly helps avoid gaps in protection and ensures your new items are covered from the moment they become yours.

Keep Receipts and Appraisals

Documentation plays a major role in the claims process. Receipts and appraisals help verify an item’s value, making it easier to repair or replace something if needed. Store these documents somewhere safe and easily accessible—digitally or in a secure physical location.

Protecting your holiday valuables does not have to be complicated. With a few proactive steps, you can enjoy your gifts with confidence and peace of mind. Take a moment to review your coverage so you can avoid any post-holiday surprises.

Reach out to your insurance provider before the new year to confirm or update your policy and ensure everything you treasure is fully protected.