The holiday season is filled with excitement—unwrapping thoughtful gifts, creating memories with loved ones, and treasuring the special items that make this time of year feel magical. With the hustle of travel plans, gatherings, and last-minute shopping, it is easy to overlook an important detail: making sure those meaningful new valuables are properly protected.
Update Your Coverage
If you receive or purchase high-value items like jewelry, art, or collectibles, your standard policy may not fully cover them. Adding a personal articles policy or endorsement can give you the extra protection you need.
Act Quickly
Many insurance policies include time limits for adding newly acquired valuables. Whether it's a gifted watch or a new piece of tech, make updates promptly so you're covered from day one.
Keep Receipts and Appraisals
Documentation is essential when filing a claim. Keep receipts, appraisals, and serial numbers in a safe place—preferably stored digitally as well—to ensure you have everything needed if you ever need to report a loss.
Protecting your holiday valuables is simpler than it seems when you take proactive steps. Reviewing your policy now can prevent headaches later, especially as the new year approaches.
If you have questions or need guidance, reach out to your insurance provider to confirm or update your coverage before January 1st.
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