Yes and No.  As usual in the Insurance Business, it depends.  Generally, a Homeowners or Renters Policy covers personal property, usually subject to your deductible. However, many policies limit the amount of coverage or insurance they provide for Personal Computers, silverware, valuable item collections, fine art and jewelry.  So if your house or apartment is filled with expensive gifts, you may want to consider additional coverage to make sure that these gifts can be replaced if something happens to them.

For most people, the holiday season is a time for family, friends and shopping. But for others it’s an opportunity to steal everything from your identity to the gifts under the tree.

According to the Insurance industry, fire and theft claims rise dramatically during the holiday season. Many are crimes of opportunity and can be prevented with some simple steps.

Here are five types of theft home and business owners should guard against during the holiday season.