Typical insurance plans like homeowners or rental coverage may not fully protect high-ticket items this holiday season, according to SeibertKeck Insurance Partners.
Valuable gifts like electronics, jewelry, fine art or collectibles require a specialized insurance or personal articles policy to secure full coverage, often with fewer restrictions and lower deductibles.
“If you’re gifting something rare, unique, or customized—like a bespoke piece of jewelry, original art, or a one-of-a-kind collectible—insuring it is essential,” SeibertKeck Insurance Partners said in the report. “These items are often difficult to replace and can carry high sentimental and monetary value. An insurance policy that covers unique pieces can provide a replacement or compensate you based on the appraised value, giving you confidence that your precious items are protected.”
This holiday season, retail sales are predicted to fall somewhere between $1.61 trillion and $1.62 trillion from November 2025 to January 2026, according to Deloitte, with E-commerce expected to grow between 7% and 9% year-over-year during the same time.
“We anticipate disposable personal income (DPI), a key driver of retail sales, to grow between 3.1% to 5.4% this holiday season,” said Akrur Barua, economist, Deloitte Insights.
“Steady growth in income can help offset some economic uncertainty, including any labor market weakness and the burden of high credit card and student debt on consumer spending,” he added. “While elevated inflation will likely weigh on the volume of retail sales growth, it will nevertheless be a tailwind for the dollar value spent on retail purchases in the holiday season.”
(Photo credit: DC Studio/Adobe Stock)
The slideshow above illustrates ways to use insurance to safeguard holidays gifts as selected by Travelers Insurance.
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