Holiday Insurance Tips: Travel, Gifts, and Home Protection

The holiday season is one of the busiest times of year—and one of the riskiest when it comes to insurance claims.

From packed travel schedules to expensive deliveries sitting on doorsteps, the end of the year brings a mix of excitement and exposure. Whether you’re staying home or hitting the road, this is a smart time to check your coverage and take a few preventive steps to keep the season joyful.

Here’s what to know before the holidays are in full swing.

Protecting Your Home While You Travel

If you’re leaving town, make sure your home is secure. Lock all doors and windows, set light timers, and pause mail or deliveries—or ask a neighbor to pick them up. If you use smart home devices like security cameras or water sensors, test them before you leave.

Many homeowners policies cover theft and vandalism, but filing a claim during the holidays can be especially stressful. Taking precautions upfront can help you avoid it altogether.

Safeguarding Holiday Deliveries

Porch piracy tends to spike in December. If you’re ordering gifts online, consider sending high-value packages to your workplace or a secure pickup location. Some carriers allow you to schedule deliveries or get real-time alerts.

If a package is stolen from your porch, homeowners or renters insurance may offer some reimbursement—but there’s often a deductible, and coverage may be limited. It’s best to prevent the loss when you can.

Auto Insurance and Holiday Travel

Holiday traffic, icy roads, and longer trips all increase the chances of accidents this time of year. Before you travel, check that your auto insurance is current and that roadside assistance is included—especially if you’ll be driving in unfamiliar areas.

If you’re renting a vehicle, find out whether your personal auto policy covers rental cars. In many cases, it does—but not always.

Are Holiday Gifts Covered by Insurance?

Gifts like electronics, jewelry, and collectibles may need to be scheduled on your policy to be fully covered. Standard homeowners or renters insurance may only reimburse a portion of their value if they’re lost, stolen, or damaged.

If you’ve made big purchases this year—or plan to during the holidays—talk to your agent about updating your coverage.

Need Help Before the Holidays?

The holidays can be unpredictable, but your insurance coverage doesn’t have to be. A quick review with your local independent insurance agent can help ensure you’re protected at home, on the road, and everywhere in between.

Have questions? Reach out today to enjoy the season with confidence and peace of mind.