The holidays bring that special mix of joyful chaos—twinkling lights, wrapped surprises, and the excitement of giving and receiving thoughtful gifts. But between the celebrations and the busy year-end to‑do list, it is easy to forget that some of those sentimental or high‑value presents may need a little extra protection.

Keep receipts and appraisals

Whenever you receive or purchase valuable items like jewelry, electronics, or collectibles, hold on to the documentation. Receipts and professional appraisals help verify value if you ever need to file a claim. Store these documents somewhere safe, whether that is a fireproof box or a secure digital vault.

Act quickly

Insurance policies often have time limits for adding newly purchased or gifted valuables. Waiting too long could leave important items unprotected if something happens. Taking action soon after the holidays ensures everything is properly covered.

Update your coverage

Standard homeowners and renters policies usually have limits on high‑value items. That is why adding a personal articles policy or endorsement is so important. These options offer broader protection and can help ensure your most meaningful gifts are fully insured.

Protecting holiday valuables is simpler than most people think—especially when you take a few proactive steps early on. Reviewing your policies now can help you avoid frustration and potential coverage gaps later.

If you have new valuables this season, reach out to your insurance provider to confirm or update your coverage before the new year.