The holiday season is a time for joy, family gatherings, and celebration. However, it can also bring unique risks that may lead to costly insurance claims. To help protect your home, property, and peace of mind, follow these practical tips to avoid common holiday mishaps.
Prevent Fire Hazards
Choose holiday decorations that are flame-resistant or flame-retardant, and avoid overloading electrical outlets with lights and other decorations. Inspect all holiday lights for frayed wires or broken bulbs and immediately replace damaged items. Always keep candles at least 12 inches away from flammable objects and never leave them unattended; consider using flameless LED candles for added safety. Ensure that fireplaces, space heaters, and chimneys are clean and in good working condition, and always extinguish fires and turn off heaters before leaving or going to bed.
Secure Your Home
Be mindful of holiday deliveries, as thieves often target packages left on porches. To avoid this, use secure delivery lockers or ask a neighbor to collect your packages if you’re away. Always lock all doors and windows, whether at home or traveling and consider installing a home security system with cameras for added protection. If you’re traveling, notify a trusted neighbor and ask them to monitor your property.
Drive Safely
Never drive under the influence of alcohol; instead, plan for a designated driver or use a rideshare service if alcohol is part of your holiday celebrations. Practice defensive driving, especially during winter weather, and allow extra time to reach your destination safely. Ensure that your auto insurance policy is current and provides adequate protection in case of accidents.
Protect Guests
To prevent accidents, ensure all walkways are clear of snow and ice, and apply salt or sand to reduce the risk of slips and falls. If you’re hosting a gathering, serve alcohol responsibly and ensure your guests have safe transportation home, as overserving can lead to liability issues. Keep potentially hazardous items like candles, decorations, and small objects out of reach of children and pets to ensure their safety.
Prevent Theft and Vandalism
Avoid displaying gifts or expensive items where they are visible from outside your home. Use timers for indoor and outdoor lights to create the appearance of an occupied home. When shopping, store holiday purchases securely and avoid leaving valuable items in plain view inside your vehicle.
Plan for the Unexpected
Review your insurance policies to ensure your home, auto, and personal property coverage adequately protects you against potential holiday-related risks. Keep a record of high-value holiday gifts and purchases, including receipts and photos, in case of theft or damage. Confirm that your policy includes liability protection in case of injuries on your property.
By taking these proactive steps, you can minimize risks and enjoy a safe, stress-free holiday season. If you have questions about your insurance coverage or need additional protection, don’t hesitate to contact us. We’re here to help safeguard your holiday celebrations! Take the next step towards a safe holiday season by reviewing your insurance policies and implementing these safety tips today.