The holiday season is filled with joy, celebration, and gifts—sometimes expensive ones. From high-end electronics and jewelry to designer clothes and watches, the presents under your tree may be worth more than you realize. But once the wrapping paper is gone, have you thought about how you’d protect these items if something unexpected happened?

Peace of mind should last long after the last gift is opened. That’s why understanding how to insure your valuable holiday gifts is one of the smartest moves you can make.

Do Standard Policies Cover Your Gifts?

Most homeowners and renters insurance policies include personal property coverage, which means your belongings, new gifts included, are typically covered for common risks like fire, theft, or certain types of damage.

However, these policies often have limits on high-value items. For example:

• Standard limits for jewelry, electronics, or collectibles might not match the full value of expensive gifts.
• Some policies cap coverage amounts for specific categories of items, meaning you could be underinsured if you rely on the base policy alone.

That’s why it’s important to review your coverage during the holidays.

How to Make Sure Your Gifts Are Fully Protected

Here are key strategies you can take:

1. Inventory and Document Your Items

Take clear photos, note serial numbers, and keep receipts or appraisals for expensive gifts. Not only does this make claims easier, it helps prove ownership and value.

2. Review Your Insurance Limits

Check your current homeowners or renters insurance policy to see if there are limits on personal property. If the value of your new gifts exceeds those limits, you may need additional coverage.

4. Consider Specialty Coverage Options

For really big-ticket items, standalone policies or specialty valuable-items insurance might be worth discussing with an agent. These offer broader protection than general personal property coverage.

Why Work with Us?

At Midwest Heritage, we don’t just sell insurance, we help you customize coverage that fits your life and valuables. Whether it’s electronics, jewelry, musical instruments, or even a new car or recreational vehicle, we’ll make sure it’s covered properly.

Bottom Line: Protect What Matters Most

The holidays are about joy, not worry. Taking a few simple steps to review your insurance can ensure that sentimental and expensive gifts stay protected throughout the year. Don’t wait for the unexpected to happen, reach out to us today and give your peace of mind the coverage it deserves.

Ready to review your coverage? Contact Midwest Heritage or request a quote to make sure your holiday treasures are fully insured.

Not a Deposit | Not FDIC Insured | May Lose Value