Regardless of what you celebrate or how you celebrate, the holiday season is one of love, laughter, and fun. However, what should you do in the case of an accident or mishap? Are you protected from financial obligations if something bad were to happen at your celebration?
Protect your home during the holidays
Here are some of the details you should know when getting ready for the holiday season.
Be extra careful with fires and electricity
One of the most common issues in the holiday season is fires….. or damage to your home caused by overloaded electricity outlets. When planning out your holiday decorations, you’ll want to factor in things like electricity use and the age of your cords, lights, and more.
Damage from fire is usually covered under your homeowner’s insurance policy, including those from cooking or your Christmas tree.
Take note of your belongings in case of theft
Unfortunately, theft and “porch bandits” are very common problems during the holiday season. While theft is covered under your insurance policy, you’ll want to make sure that you factor in proper insurance for anything very high-end. For example, if you’ve bought a very expensive piece of jewelry for your sweetheart, you might want to get a rider for your insurance policy so that it is covered if it were to get stolen.
Be ready for injuries
While no one wants to plan for injuries, they do happen. It could be something as simple as your delivery person tripping over a stair tread on your porch. Or, Aunt Sue has too much to drink and hurts her arm by putting it through a wall. It could happen! lol
All of these things kinds of injuries (including potential lawsuits) are covered by homeowner’s insurance, assuming that these are not caused by something due to negligence. For example, if your stairs were rotted or broken, and that’s what caused the delivery person to fall, then you might not have coverage.
Put tech to work for you
There are so many advantages to tech, including cameras, smart doorbells, automatic lights, and more. To keep your home secure and protected, focus on putting tech to work so that you know you have as much control as possible.
When in doubt, check it out
Insurance and its limitations may not be top of mind when planning out your holiday, but you’ll definitely want to give your insurance agent a quick call this season. They are more than equipped to help you know how to protect yourself and how to know the extent of your coverage in case you need it. Plus, this can give you peace of mind since you’ll know that you’ve got a local, dependable agent available just a phone call away!
Keep your holiday season cheerful, fun, and safe by remembering to think about potential mishaps in your home. While it’s not a fun topic to think about, perhaps it’s better than finding out that something isn’t covered after the fact! This will help you enjoy a wonderful holiday season with everyone that you love!