The holidays bring a special kind of magic—twinkling lights, meaningful gifts, and the joy of giving something that truly matters. Between the celebrations, travel plans, and last‑minute shopping, it is easy to forget that some of those cherished presents may need a little extra protection.

Acting quickly is key when it comes to insuring newly purchased or gifted valuables. Many policies have specific time limits for adding high‑value items, and missing that window can create unnecessary stress down the line.

Updating your coverage is another important step. High‑value gifts like jewelry, art, or collectibles often need a personal articles policy or an endorsement to ensure they are fully protected. Standard homeowner or renter policies may not offer enough coverage for certain items.

Keeping receipts and appraisals is equally important. Documentation helps support claims and ensures you receive accurate reimbursement if something unexpected happens. Store records securely—either digitally or in a safe place you can access when needed.

The good news? Taking a few proactive steps now can make protecting your holiday valuables simple and stress‑free. A quick review of your policy today can prevent big headaches later.

Contact your insurance provider before the new year to confirm your coverage or make any needed updates.