Nearest broker: Searching for a broker nearby…
Nearest broker: , Edmonton, AB Phone: 780.755.0110 5020 Lac St Anne Trail N, Onoway, AB, T0E 1V0 Phone: 780.967.2282 , Edmonton, AB Phone: 825.467.5631 206 Pembina Rd, Sherwood Park, AB, T8H 0L8 Phone: 780-732-8616 10060 Jasper Ave, Edmonton, AB, T5J 3R8 Phone: 780-435-3632 , Calgary, AB Phone: 403-532-4882 322 Avenue C S, Saskatoon, SK, S7M 1N4 Phone: 639-398-4170 5317 50 Ave, Taber, AB, T1G 1V3 Phone: 403-223-2377 110a McLeod Ave, Spruce Grove, AB, T7X 2H8 Phone: 780-571-1144 496 Marquis Rd, Prince Albert, SK, S6V 8B3 Phone: 306-970-8080 335 Hwy Avenue N, Picture Butte, AB, T0K 1V0 Phone: 403-732-6023 2201 Box Springs Blvd NW, Medicine Hat, AB, T1C 0C8 Phone: 403-487-5132 550 Wt Hill Blvd S, Lethbridge, AB, T1J 4Z8 Phone: 403-394-1123 734 13 St N, Lethbridge, AB, T1H 2T1 Phone: 403-328-9114 5 St SE, High River, AB Phone: 403-652-4104 9904 103 St, Fort Saskatchewan, AB, T8L 2C9 Phone: 780-998-0881 201-4271 23 Ave NW, Edmonton, AB, T6L 5Z8 Phone: 780-466-2136 3908 97 St NW, Edmonton, AB, T6E 6N2 Phone: 780-465-6900 8170 50 St NW, Edmonton, AB, T6B 1E6 Phone: 780-469-9378 52 Ave, Drayton Valley, AB Phone: 780-621-1707 1331 Macleod Trail SE, Calgary, AB, T2G 0K3 Phone: 403-278-1050 1331 Macleod Trail SE, Calgary, AB, T2G 1E1 Phone: 403-255-2252 234-7 Westwinds Crescent NE, Calgary, AB, T3J 5H2 Phone: 403-775-2100 , Calgary, AB, T3K 0S8 Phone: 403-719-9995 5114 2 St, Boyle, AB, T0A 0M0 Phone: 780-689-3946 50 Ave, Bonnyville, AB Phone: 780-826-3147 12931 20 Ave, , AB, T0K 0E0 Phone: 403-562-2191 2903 Kingsview Blvd SE, Airdrie, AB, T4A 0C4 Phone: 403-945-8885

Insuring an Ugly Christmas Sweater

Home Insurance

By Samantha Lemna | November 21, 2022

Who doesn’t love an ugly Christmas sweater? Whether yours is homemade, bought with intention, or found in the back of a closet, these sweaters are a great way to celebrate the holidays. But what happens if that ugly Christmas sweater is stolen or damaged? It all depends on how it’s insured.  

Insuring an Ugly Christmas Sweater Under Property Insurance 

Whether you own or rent a house, condo or apartment, your property insurance includes contents coverage. This covers your personal belongings up to a specified limit if they’re damaged by an insured peril such as fire or theft. If your policy covers you for all risks, make sure you review the exclusions. 

There can be a per item limit ($1,000 to $2,000) and an overall maximum limit for more valuable items. You determine the overall limit when you purchase your tenant’s, condo or home insurance with your broker.  

For example, if a Grinch slides down your chimney and steals your gifts, household gadgets and favourite ugly Christmas sweater, your property insurance would respond. You would receive payment of the value of the stolen items, less your policy deductible, up to the policy limit.  

Insuring an Ugly Christmas Sweater as a Scheduled Article 

Scheduled articles are part of your property insurance. It raises the maximum per item limit to ensure more valuable items are adequately insured. Now, an ugly Christmas sweater would not normally be insured as a scheduled article as it wouldn’t be more valuable than the item limit. This is usually reserved for sports equipment, electronics, jewellery, art and other high-value collectables. That said, you could always have a super valuable sweater or even a collection of ugly Christmas sweaters you may want to protect!  

Generally, you would need an appraisal of your sweater (or collection). Make sure you understand the requirements – do you need to get an appraisal periodically? Is there a separate deductible? Are the same perils covered or are there changes to what’s covered? Your broker should explain the ins and outs of this coverage. 

Protect Your Ugly Christmas Sweater 

While insurance may cover the financial value of your ugly Christmas sweater, it may not be able to truly replace it – especially if it’s a handmade sweater or one you discovered in a relative’s closet. It’s important to do what you can to protect your belongings to keep prospective Grinches out, such as: 

  • Installing a monitored security system  
  • Ensuring your windows and doors are secured  
  • Storing your sweater out of sight when you’re not wearing it  
  • Installing deterrents such as security cameras, lighting, fencing and locks 

Remember to keep receipts and appraisals in the event of a claim!  

Speak to your broker about your coverage for insuring any valuable items and what you need to do in the event of a claim. 

(Note: You probably won’t be insuring your ugly Christmas sweater specifically – this article is meant for fun!)

Get A Quote From A-WIN

Get the best insurance deals and stay on budget.

Get A Quote

Life Events - It's Time to Reassess Your Insurance

Whether it’s heading off to university or deciding to start your own business,...


Rogers Insurance and CapriCMW merge to become Acera Insurance.

A-WIN Insurance is part of the Rogers Insurance Group.

Click to learn more about how this merger will impact A-WIN Insurance. Our branches will remain independently owned and operated.