You know Dasher and Dancer and Prancer and Vixen, but do you recall the most infamous holiday disasters of all?
The holiday season is one of joy and cheer, but it can come with increased risks. Holiday disasters like house fires, vandalized decorations, and home burglaries often spike over the holidays. Fortunately, your homeowner’s insurance policy can help you out if your holidays take a turn for the worse.
Christmas trees, holiday decorations, cooking, and baking all contribute to an annual increase in U.S. home fires during the winter months. In fact, Christmas Day and Christmas Eve are among the leading days of the year for home fires (topped only by Thanksgiving Day).
An estimated 160 home fires a year start with Christmas trees, the National Fire Protection Association says. These blazes cause an average of $10 million in property damage each year.
Two of the simplest ways to keep your home free from fire dangers during the holiday season are to make sure your smoke alarms are working correctly and to put up an artificial tree that is fire-rated.
Home-related accidents can definitely put a damper on the holiday spirit. Your homeowner’s insurance includes coverage for injuries to guests. If it’s a small injury, you may want to tap your home insurance policy’s medical payments coverage. For more expensive guest injuries, homeowner’s policies provide at least $100,000 in personal liability coverage.
Homeowner’s insurance policies also cover theft, so if someone breaks into your home and steals presents or someone snags a package off your porch, you’ll be able to file a claim with your insurance company. If someone steals your elaborate holiday display that’s outside on your lawn, that should be covered as well.
Standard homeowner’s insurance policies also cover thefts that happen away from your home. So if a person breaks into your car and steals a bunch of gifts, you may be able to file a claim with your home insurer.
Homeowners insurance also covers vandalism, so if someone decides to spray paint your snowman display or take a hammer to your light installation, you can file a claim with your homeowner’s insurance company to cover the cost of the damage.
Unfortunately, mishaps during the holidays are all too common in the real world and are no laughing matter. But if you have the proper insurance coverage, you can minimize the financial damage of most disasters.
If you’d like to discuss your homeowner’s insurance coverage, call CFC Insurance today at 309.243.1010 or request a free quote!