The holidays bring plenty of excitement—from wrapped surprises to meaningful gifts for the people we love. In all the celebration, it’s easy to overlook one important detail: making sure your new valuables are properly protected. As a trusted independent insurance agency in Hagerstown, MD, we know how important it is to keep your belongings secure, especially during this busy time of year.

Keep receipts and appraisals

Whether you’ve purchased a high-end watch, gifted heirloom jewelry, or received a valuable collectible, proper documentation is essential. Receipts and appraisals help verify value if you ever need to file a claim. Store them somewhere safe—digitally or in a fireproof location—so they’re easy to access when needed.

Act quickly to update your policy

Many insurance policies have specific time limits for adding newly purchased or gifted valuables. Waiting too long could leave important items unprotected. Updating your coverage shortly after a purchase ensures your valuables are covered from day one. If you’re unsure what your policy includes, our team at Wright-Gardner Insurance can help review your options.

Consider coverage beyond standard homeowners insurance

Standard homeowners insurance in Hagerstown, MD, may not fully cover high-value items. A personal articles policy or scheduled endorsement can safeguard jewelry, electronics, fine art, collectibles, and other valuables beyond standard limits. These additions offer peace of mind and help prevent financial headaches later.

Enjoy the season with confidence

Protecting holiday valuables doesn’t have to feel overwhelming. With a few proactive steps, you can enjoy the season knowing the things that matter most are secure. Review your homeowners insurance, renters insurance, or personal articles coverage now—and reach out to Wright-Gardner Insurance for help confirming or updating your protection before the new year. Visit www.wrightgardner.com to learn more or request a quote.