How to Protect Your Holiday Valuables This Season

The holiday season is filled with excitement—twinkling lights, thoughtful gifts, and the joy of giving and receiving items that often hold both financial and sentimental value. With so much going on this time of year, it’s easy to overlook an important step: making sure those new treasures are properly protected.

Between shopping, family gatherings, and last‑minute planning, the busy holiday rush can make it tough to think about insurance. But taking a few simple steps now can save you from major headaches later.

Keep receipts and appraisals

Accurate documentation is essential if you ever need to file a claim. Hold onto purchase receipts and obtain appraisals for high‑value items. Store these documents somewhere secure—digitally or in a safe place—so they’re easy to access when needed.

Act quickly

Many policies include time limits for adding newly purchased or gifted valuables. Waiting too long could leave your new items unprotected. A quick call to your insurance provider ensures everything is added within the required window.

Update your coverage

Some items—like jewelry, art, or collectibles—may exceed standard policy limits. Adding a personal articles policy or an endorsement can provide the extra protection these high‑value belongings need.

Protecting holiday valuables is simple when you take proactive steps. A few small actions now can help you avoid surprises down the road.

Review your policies today to make sure your new gifts are covered, and reach out to your insurance provider to confirm or update your coverage before the new year arrives.