The holidays are a wonderful blur of family, food, travel, gifts, and gatherings. But once the decorations come down and life settles back into routine, it’s the perfect time to take care of a few things that often get overlooked during the busy season — including your insurance.
A short post-holiday check-in can help you start the new year protected, organized, and stress-free.
🎁 1. Take Inventory of New Gifts
Did you receive or give any high-value items this season? Think:
Jewelry or watches
Electronics
Art or collectibles
Goldware/Silverware/China
Many of these items have coverage limits under a standard homeowners or renters policy. After the holidays is the ideal time to review coverage limits, schedule valuables if needed, and save receipts or appraisals.
🚗 2. Review Your Auto Insurance After Holiday Driving
The holidays often bring:
Extra miles on your vehicle
Visiting drivers borrowing your car
Young drivers home from college
If anything changed — a new driver, a different commute, or where a car is parked — it’s worth checking that your auto policy still reflects your household accurately.
🏡 3. Inspect Your Home for Post-Holiday Wear & Tear
Between guests, decorations, and winter weather, small issues can sometimes go unnoticed:
Roof or gutter damage
Plumbing leaks
Fireplace or chimney wear
Slips or falls on walkways
Catching minor issues early can help prevent larger claims later.
✈️ 4. Review Travel & Liability Coverage
If you traveled over the holidays — or have trips planned early in the new year — now is a great time to:
Confirm rental car coverage
Review liability limits
Discuss umbrella insurance if you don’t already have it
Travel often increases exposure, and a quick review can provide peace of mind.
📂 5. Start the Year Fresh
The end of the year is an excellent time to:
Update contact information
Review deductibles
Confirm beneficiary or trust changes
Ask questions you’ve been meaning to ask
Insurance works best when it keeps up with your life.