Common Home Insurance Claims During the Festive Season

christmas tree in a home

Common Home Insurance Claims During the Festive Season

Avoid these common home insurance claims over the holidays.  

The holiday season is in full swing. Parties, shopping, and decorating is the season. But in addition to the traditional festive cheer that ramps up around this time of year, you should be aware of traditional risks that also intensify around the holiday season. With a little preventative action and a solid home insurance policy, you can avoid these common home insurance claims that happen around the festive period.

  • Christmas tree fires. Do you put up a tree in the house? Make sure that your fresh tree is kept hydrated or that your false one is fire-resistant. Place the tree out of the way of foot traffic and away from heat sources.
  • Overloaded electrical equipment fires. Sure, you want to string up all of your holiday lights and decorations, but can you do so safely? Make sure you avoid overloading sockets and only use lights that are in good condition.
  • Porch theft, presents taken from under the tree, and stolen goods from parked vehicles result in common theft claims over the holidays. Make sure you store presents out of sight in the trunk of the car or hidden from the street view in your home.
  • Injured guests. The season of merriment and eggnog can cause injuries to guests while at parties and gatherings. Ideally, make sure that guests are not intoxicated and reduce the chances of slips, falls, and other common injuries by preparing your property before a party.
  • Identity theft. It’s a constant risk, of course, but especially so during heavy shopping periods like the holidays. Only use trusted websites to purchase gifts and only carry one or two credit cards with you when shopping.

Throughout these disasters, your homeowners insurance can help. At Dougherty Insurance, we represent multiple carriers and are able to explore all of the best options to suit your needs. We want to make sure that you have the coverage you need – it’s our job to help you! Contact us today for unparalleled insurance in Illinois, Wisconsin, and Indiana.

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