A Guide to Avoiding Holiday Insurance Mishaps

The holiday season can be stressful for many, as households feel pressure to visit family members, spend more than usual on gifts and join the hundreds of thousands traveling to their desired destinations. Home insurance claims spike at this time of the year, with many accidents occurring including kitchen chaos, car accidents and disasters at home. We can’t always predict when disasters may happen, but we can take steps to prevent and prepare for the worst. Here’s how you can best avoid the most common holiday mishaps.

Stay Safe on the Roads

During the holiday season, road safety becomes challenging, as individuals are off from work and families embark on journeys to visit loved ones. Planning ahead and leaving early to avoid the peak travel times can make all the difference in your safety. It is important to check your vehicle's condition, ensuring it is well-maintained, with tires properly inflated and all fluids topped off. Be extra cautious in wintery conditions, adjusting your driving to the weather. Additionally, keep a safe following distance, wear seat belts at all times and avoid distractions such as mobile phones.
If you feel fatigued, take regular breaks or switch drivers. An emergency kit with first aid supplies, blankets, water and non-perishable food can be incredibly useful if unforeseen events occur. By taking these precautions, you can significantly reduce the risk of accidents and enjoy a stress-free holiday journey.

Take Steps to Prepare Your Home

Tips For those Hosting Guests

Many insurance claims during the holidays happen at home. You can create a safer environment by inspecting all Christmas lights to ensure they are in good working condition and replace any that may be a fire hazard. Keep an eye on lit candles and set reminders to extinguish them at their burn time limit. Replace any frayed wires or broken bulbs and avoid overloading electrical outlets. Take time to clear walkways and remove any tripping hazards within the home to prevent falls, especially as guests may be visiting. In the kitchen, take proactive measures to avoid fires by keeping flammable items away from stovetops, never leaving cooking unattended and have a fire extinguisher nearby.

Tips For those Traveling

To prevent pipes from freezing, homeowners should ensure their home is well-insulated, paying particular attention to attics, basements, and crawl spaces. Keeping the thermostat set to a consistent temperature, even when not at home, can help maintain warmth. Allowing faucets to drip slightly can keep water moving and reduce the likelihood of freezing. Additionally, asking a trusted friend or family member to check on your home while you are away can provide peace of mind and prevent burglary or theft. If this is not possible, consider staging your home to look occupied by setting timers on lights, parking a car in the driveway, and arranging for mail and newspapers to be collected regularly. These steps can deter potential intruders and ensure your home remains safe and secure during your absence.

Consider Insuring Expensive Gifts

Giving or receiving thrilling gifts such as snowmobiles, golf carts, expensive jewelry, or adding to unique collections can bring immense joy and excitement. However, insuring these valuable items is crucial to securing peace of mind. Comprehensive insurance coverage ensures that these prized possessions are protected against unforeseen events, such as theft, damage, or loss. By taking this proactive step, you can fully enjoy the festive spirit without the lingering worry. Knowing your cherished gifts are safeguarded allows the excitement to remain, making the holiday season all the more memorable and stress-free.

Protect What You Treasure

Understanding what’s covered in your insurance policy is essential year-round to ensure you have the right protection for your needs. Whether it’s safeguarding your home, vehicle, or valuable items, knowing the details of your coverage can help you avoid unexpected expenses and provide peace of mind. We are here to assist you in navigating your insurance options. For personalized assistance, find an agent near you and get the support you need to make informed decisions about your coverage.