Insuring your Holiday Gifts

23 December 2015 Category: Uncategorized

Have You Thought About Insuring your Holiday Gifts?

Since you’ve put a lot of thought and money into picking the right holiday gifts, it’s well worth insuring them.

With the holiday season in full swing, you’ve probably given some thought to holiday gifts. Maybe you had yours purchased and wrapped weeks ago. Maybe you’re doing the last-minute mad dash to get everything you need. Maybe you’re somewhere in between. Either way, you invest a lot – from mental energy to money – in picking and buying holiday gifts. Insuring them is the best way to protect your gifts and all they represent.

That begs the question: how do you insure your gifts? The good news is that for most of them, you don’t need to do much. Your homeowners insurance policy offers protection for your personal property. That extends to gifts that haven’t even made it home yet, which means if you had gifts in the trunk of your car and they got stolen, you’re covered.

There are some exceptions that come into play, though. Specifically, if you give or receive a high-value item, your existing homeowners insurance might not offer enough protection. Most home policies have limits on valuables. If your high-value gift is worth more than that limit, you can still protect it by scheduling it into your policy. Scheduled items are specifically listed on your policy and are insured for their full value. Scheduling coverage is one of the easiest and most affordable ways to protect any new valuables you receive this holiday season.

Having a thief nab your holiday gifts becomes a lot less catastrophic if you have the right homeowners insurance policy. To make sure you have sufficient coverage for your gifts, contact Massive Insurance. We serve families and individuals in Pasadena and the neighboring California cities by helping them protect what matters most. Let us lend our services to you; call us today!