The holidays bring a special kind of joy—twinkling lights, the thrill of gift-giving, and the sentimental excitement of watching loved ones unwrap something meaningful. With the rush of celebrations, travel, and endless to‑do lists, it is easy to forget that some of these new treasures may need extra protection.

Whether it's a sparkling piece of jewelry, a new tech gadget, or a family heirloom passed down as a gift, taking a few proactive steps now can make a big difference later.

Act quickly

Some insurance policies include time limits for adding newly purchased or gifted valuables. Acting promptly ensures your items are protected from the moment they enter your home.

Update your coverage

High‑value items often need more than standard homeowners or renters insurance. Adding a personal articles policy or an endorsement can give you the right level of protection for jewelry, art, collectibles, or other big‑ticket gifts.

Keep receipts and appraisals

Accurate documentation is essential if you ever need to file a claim. Store receipts, appraisals, and certificates of authenticity in a safe place—either digitally or in a secure physical folder.

Protecting your holiday valuables is simpler than it sounds. With a few thoughtful steps, you can enjoy your celebrations without worrying about what might happen later.

Review your policies now to avoid stress down the road, and be sure to contact your insurance provider to confirm or update your coverage before the new year.