The holidays are here and it’s time for family time, decorations, good food, and gift-giving. With all the commotion, it’s important to keep safety top of the mind with Staples & Associates holiday home insurance tips! Homeowner’s insurance claims spike during the holiday season for a multitude of reasons. Take extra precautions and make sure you’re covered in case accidents happen. 

 

1. Liable Injuries

If you’re hosting holiday dinners or parties, make sure that your homeowner’s or renter’s insurance policy can cover liability for injuries of your guests. In case medical attention is needed for your guests, the policy can help cover the cost. However, keep in mind that homeowners insurance does not include injuries that may happen to you or members who live in your household.

2. Theft Safety & Prevention

Online shopping and package deliveries for the holidays have made it easier for theft inside and outside the home. Keep your home secure with security cameras, alarm systems, and updated locks. These methods will not only keep you safer but can also provide you with discounts on your insurance. Your stolen belongings fall under personal property coverage. 

3. Winter Weather

Keep your home protected in case of winter weather damage. Snow, ice, and frozen pipes can cause structural damage to your home, gutters, drain pipes, plumbing, and more. Check your policy to see what is covered for winter weather before you need it and reach out to our team at Staples & Associates in case you need extra coverage. 

 

Have a happy and safe holiday season with peace of mind knowing that you are protected from any accidents that may occur. The Staples Agency agents are here for any questions you may have. Contact us today!