The holidays are full of surprises—new jewelry, luxury handbags, art pieces, watches, skis, collectibles, and even high-tech gadgets that cost more than most people realize. While you’re busy celebrating, unwrapping, and making memories, there’s one small but important step that ensures your new treasures are financially protected:
🎁 Scheduling your holiday gifts on your homeowners insurance policy.
It’s not the most glamorous part of the holidays—but it is one of the smartest.
Why Scheduling Your Gifts Matters
Standard homeowners insurance provides coverage for personal property, but high-value items often have limits, exclusions, or special conditions.
Scheduling an item (also known as adding a “personal articles endorsement” or “valuable items endorsement”) gives you:
✅ Broader Coverage
Many scheduled items are covered for more risks than under standard personal property— including mysterious disappearance.
✅ Coverage Up to the Full Appraised Value
If a gift is lost, stolen, or damaged, your policy can reimburse you up to the amount listed—no guessing, no depreciation.
✅ Low or No Deductible Options
Protecting your most meaningful pieces shouldn’t come with a major out-of-pocket cost.
✅ Peace of Mind
Your sentimental, one-of-a-kind, or high-value items are fully protected—from the moment Santa drops them under the tree.
What Types of Gifts Should Be Scheduled?
Anything with significant financial or sentimental value may qualify. Popular holiday items to schedule include:
🎄 Fine jewelry & engagement rings
🎄 Designer handbags or luxury accessories
🎄 High-end skis, bikes, or sporting equipment
🎄 Artwork, collectibles, and antiques
🎄 Musical instruments
🎄 Electronics that exceed standard policy limits
🎄 Rare or specialty items
🎄 Firearms
🎄 Family heirlooms or newly gifted pieces
If it would be expensive—or impossible—to replace, it’s worth talking about.
When Should You Add Items to Your Policy?
We recommend updating your policy within 30 days of receiving a new item.
The sooner you schedule it, the sooner it’s protected.
If you don’t have an appraisal yet, don’t worry. We can help you understand what’s needed and how to get started.
How to Add a New Gift to Your Policy (It’s Easy!)
Just send us:
- A photo of the item
- A receipt, valuation, or appraisal (if available)
- Any documentation Santa slipped into the gift box
We’ll take it from there.
This is also a great time to review existing scheduled items—especially if values have changed, appraisals are older than 3–5 years, or you’re not sure what’s currently listed.
A Holly Jolly Reminder: Holiday Theft Increases
Unfortunately, the festive season is also peak time for:
- Package theft
- Break-ins
- Travel-related losses
- Accidental damage to valuable items
Scheduling your gifts gives you more complete protection during the busiest—and riskiest—time of the year.
Need to Schedule a New Gift? We’re Here to Help.
If you unwrapped something special this season, reach out and we’ll make sure it’s fully protected under your homeowners insurance.
We’re here to answer questions, review documentation, and help you feel confident your new valuables are covered.