The holidays bring a special kind of magic—twinkling lights, wrapped surprises, and the joy of giving gifts that carry both financial and sentimental value. Amid the excitement, it is easy to overlook the important step of making sure those new treasures are properly protected. With the flurry of travel, gatherings, and last‑minute errands, insurance updates often fall to the bottom of the list, but taking a few simple steps now can save major headaches later.

Keep receipts and appraisals

Any time you purchase or receive a high‑value item, make sure you document it. Receipts and appraisals are essential if you ever need to file a claim, and they help establish accurate replacement values. Store digital copies in a secure online folder or take clear photos so you have backups in case the originals are lost.

Update your coverage

Many homeowners and renters policies have limits on certain types of valuables like jewelry, art, and electronics. Adding a personal articles policy or scheduling specific items can help ensure they are fully covered. This extra layer of protection is often affordable and can be tailored to the exact items you want to safeguard.

Act quickly

Insurance policies often include time limits for adding newly purchased or gifted valuables. Waiting too long may leave your items unprotected if something unexpected happens. A quick review of your coverage soon after the holidays can help ensure nothing slips through the cracks.

Protecting holiday valuables does not have to be complicated. With a little preparation and a few proactive steps, you can enjoy your new gifts with confidence. Take a moment now to review your policies and avoid surprises down the road.

Before the new year arrives, reach out to your insurance provider to confirm or update your coverage so your holiday treasures are fully protected.