December 23rd is one of the most overlooked planning days of the entire year. Most people are finished with work, focused on travel, final shopping, hosting family, and preparing for Christmas gatherings. Unfortunately, it’s also one of the riskiest days of the year for accidents, property damage, and last-minute emergencies.
A common issue we see at this exact point in the calendar is that people assume, “If something were wrong with my insurance, I’d already know.” In reality, many gaps only appear when a claim is filed—often during the most stressful week of the year.
This pre-Christmas insurance check is designed to help you slow down for a few minutes, review what actually matters this week, and step into Christmas with confidence instead of uncertainty.
The few days leading into Christmas combine several risk factors at once:
In our experience, many December 23rd and 24th claims come from very ordinary situations—rear-end accidents in traffic, kitchen fires, slips at entryways, and minor workplace injuries during final rush jobs.
If you’re driving for shopping, visiting family, or traveling out of town, this is the most important moment of the year to be certain your vehicle is fully protected.
Review your auto insurance and confirm:
If you use your vehicle for any paid deliveries, service calls, or business errands this week, that activity connects to motor vehicle insurance or commercial auto insurance, not just personal auto coverage.
For most families, Christmas means extra people in the home. That automatically increases both property and liability exposure.
Review your home insurance or renters insurance with these questions in mind:
In our experience, holiday claims inside the home usually involve guest injuries, kitchen accidents, or fire-related damage from decorations and heating equipment.
If you operate a business, December 23rd is often a workday even when most offices are slowing down. Deliveries still run, service calls still happen, and year-end jobs are being closed out.
This is where three protections matter most:
A common issue we see during this exact week is business owners assuming a personal policy will extend to commercial work “just this once.” Unfortunately, that assumption can create some of the most expensive uncovered claims of the entire year.
Use this quick reset to bring everything into alignment before Christmas:
This simple process often prevents the most stressful type of holiday claim—the kind that happens when no one expects it.
Looking back at past holiday seasons, these are the three areas people most often wish they had reviewed sooner:
None of these issues usually feels urgent—until the moment a claim is filed.
December 23rd is the final calm moment before the intensity of Christmas Eve and Christmas Day begins. Taking a few quiet minutes now to review your protection allows you to enjoy the holidays without lingering worry.
By reviewing your coverage across auto insurance, home insurance, renters insurance, motor vehicle insurance, commercial auto insurance, general liability, and workers’ compensation, you can step into Christmas knowing the important things are protected.
Peace of mind is one of the few things that truly makes the holidays feel lighter.
