With Christmas around the corner, a large percentage of homes already have a number of beautifully wrapped gifts tucked away under the tree. Unfortunately, despite it being the season of giving, there are many people who choose to commit burglary this time of year instead of getting into the holiday spirit. As crime rates increase, so does the possibility of presents getting stolen. This is why it’s important to minimize your risk of financial loss by making sure you have adequate insurance coverage. Your current policy may not be sufficient enough to cover newly purchased high-value items.

The key to protecting your valuable gifts, both the ones you plan to give and any you may receive, is to review your existing coverage and consult with an insurance agent about adding extra protection as needed. Standard home insurance policies typically cover personal belongings up to a certain amount. This will leave you responsible for paying out-of-pocket to replace stolen or damaged items that are worth more than your policy limits. Luckily, most insurance providers will offer the opportunity to expand your coverage to include higher value property by purchasing an endorsement.

Once all of your Christmas shopping is done, there’s a good chance the financial worth of the contents in your home has increased significantly. If you discover that your insurance coverage is not up to par with your needs, it’s essential to make the necessary changes as soon as possible. It’s best to obtain an appraisal for each valuable gift in your possession and submit it to your provider, so you can ensure your policy is amended to cover the accurate amount.

Prevent crime from ruining your holiday season by making sure that you have the right insurance for everything waiting to be unwrapped on Christmas morning. Comaltex Insurance Agency is proud to provide the residents of New Braunfels, TX, with high-quality insurance products and unparalleled customer service. They take time to evaluate each client’s unique coverage requirements and explain all of the options available. Call them at (830) 625-7511 or visit them online to learn more.