The holiday season is a time of excitement and joy, as we exchange gifts with loved ones. From the sentimental value attached to heirlooms to the thrill of receiving high-tech gadgets, these treasures often hold more worth than meets the eye. Amidst the festivities and the bustling holiday rush, it's easy to overlook the importance of insuring these valuable items.

Keep Receipts and Appraisals

Documentation is key when it comes to filing an insurance claim for lost or damaged items. Retain all receipts and get appraisals for high-value items. Store these documents in a safe, accessible place and consider digital backups to ensure they're protected from loss or damage.

Act Quickly

Don’t delay in updating your insurance policies. Many insurers have specific time limits for adding newly acquired or gifted items. Acting swiftly ensures your valuables are covered from the moment they enter your home.

Update Your Coverage

Review your existing insurance policy to determine if a personal articles policy or endorsement is needed. This is particularly important for high-value items that may exceed standard policy limits. Talk to your insurance provider to discuss options that will best suit your needs.

Safeguarding your holiday valuables doesn’t have to be complicated; taking proactive steps now can save you from headaches later. We encourage you to review your insurance coverage and reach out to your provider to confirm or update your policies before the new year. Protect your holiday treasures and enjoy the season with peace of mind.