The holidays bring a special kind of excitement—wrapped surprises under the tree, heartfelt gifts exchanged with loved ones, and the joy of seeing someone’s face light up when they open something truly meaningful. With all the busyness of decorating, hosting, and celebrating, it’s easy to forget one important detail: making sure those new valuables are properly insured.

Whether it’s jewelry, electronics, collectibles, or family heirlooms passed down as holiday gifts, taking a few proactive steps now can save a lot of stress later.

Keep receipts and appraisals

Documentation is essential if you ever need to file a claim. Hold onto purchase receipts, appraisals, and certificates of authenticity, and store them somewhere safe—ideally digitally, so they’re easy to access when needed.

Act quickly

Many insurance policies have time limits for adding newly purchased or gifted valuables. The sooner you list new items, the better protected you’ll be if the unexpected happens.

Update your coverage

Standard homeowner or renter policies may not cover high-value items in full. Adding a personal articles policy or an endorsement can help ensure your most valuable gifts are protected against loss, theft, or damage.

Protecting holiday valuables is simple when you take these steps early. A quick policy review now can help you avoid headaches down the road—so you can focus on celebrating the season with peace of mind.

Before the new year arrives, reach out to your insurance provider to confirm your coverage or make any needed updates.