The holidays bring a unique kind of magic—twinkling lights, family gatherings, and the joy of giving and receiving gifts that often hold more than just monetary value. Whether it’s a new piece of jewelry, a long-awaited tech upgrade, or a meaningful heirloom, these treasures deserve more protection than we sometimes remember to give during the busy holiday season.

Between shopping, traveling, and celebrating, it’s easy to overlook the practical steps that help safeguard your newest valuables. But taking just a few proactive measures now can prevent unnecessary stress if the unexpected happens later on.

Keep receipts and appraisals

Documentation is essential when it comes to filing an insurance claim. Receipts and professional appraisals help verify an item’s value and ensure accurate reimbursement. Store these documents in a secure place—either digitally or in a fireproof safe—so they’re easy to access when needed.

Update your coverage

High-value items often need more protection than what a standard homeowner’s or renter’s policy provides. Adding a personal articles policy or endorsement helps ensure your jewelry, electronics, fine art, or collectibles are properly covered. It’s a simple step that can make a big difference if something is lost, stolen, or damaged.

Act quickly

Many policies have specific time limits for adding newly purchased or gifted valuables, so don’t wait until after the holidays to take action. Reviewing and updating your coverage right away ensures your newest treasures are protected from day one.

Fortunately, protecting your holiday valuables doesn’t have to be complicated. With a few quick updates and the right documentation, you can enjoy the season with confidence—without worrying about what might happen if the unexpected occurs.

Take a moment now to review your insurance policies and avoid headaches down the road. Reach out to your insurance provider before the new year to confirm your coverage or make any necessary updates.