Santa’s done with his list. Where’s yours?


Last week, Santa put the finishing touches on his list and delivered presents to all the good little girls and boys (and aunts and uncles, moms and dads, grandma and grandpas …in short, almost everybody.)   If Santa had some nice things for you on the list ( say, a new HDTV, gaming console, computer or tablet), then perhaps you should make a list of your own.
You see, there ARE naughty little boys and girls out there who just may take or break your stuff.  And, if you’ve got insurance, you’re going to want to get it back.  So, it’s always a good idea to record the serial numbers of your toys and tools, and perhaps take a few pictures, too.  Then, put the list into a nice safe place, like a safety deposit box, fireproof safe, or maybe keep a copy in a file at work.
If Santa came across with a particularly nice gift, like, say, a $5,000 dollar engagement ring, then it would be a very good idea to let your insurance agent know about it.  In most cases, it only costs about ten bucks to insure every thousand dollars’ worth of jewelry…so, in this case, a mere $50 protects that big investment!
If you rent your own home and you have renter’s insurance (you DO have renters insurance, right?) it might be worth taking a look at your list after this Christmas…are you carrying enough coverage to include all the new stuff you’ve received from Santa over the last few years?
And finally, we all know that Santa visited a few businesses, this year too.  Especially in the 4th Quarter, Santa just LOVES to give presents to his friends who own businesses and are looking for a way to melt the icy heart of the tax collector.    If Santa brought you some big ticket items, then it’s a great idea to make sure your insurance people know about them ASAP.   If you and Santa thought you needed a lot of smaller items, then make sure your blanket coverage is big enough to cover everything.
Santa works very hard to keep you happy every year, if you take care of the stuff he gives you, you’ll probably be on his “nice” list again next year.
Staff Writer