The holiday season is a time for celebration, but it can also bring unexpected risks. Whether you're hosting a gathering or decorating your home, a little planning can help you avoid common insurance claims. Here are some top tips to keep your festivities merry and safe:
Fire Hazards from Decorations
- Choose Flame-Resistant Decorations: Opt for decorations labeled as flame-resistant or flame-retardant.
- Monitor Candles: Never leave burning candles unattended. Consider switching to battery-operated candles for ambiance without the risk.
- Check Light Strands: Inspect holiday lights for frayed wires or loose connections before use. Always turn them off when leaving the house or going to bed.
Protect Your Home from Theft
- Secure Your Property: Lock doors and windows, even when you're at home.
- Avoid Displaying Gifts: Keep wrapped presents out of view from windows to deter opportunistic thieves.
- Invest in Smart Security: A doorbell camera or smart lock system can add an extra layer of protection.
Liability During Gatherings
- Prevent Slips and Falls: Clear walkways of snow and ice, and ensure proper lighting for evening events.
- Mind the Drinks: If you’re serving alcohol, encourage responsible consumption and arrange safe rides for guests who’ve had too much.
- Keep Pets in Check: Excitable pets can cause injuries or property damage. Consider securing them in a quiet room during parties.
A quick review of your homeowners' or renters' insurance policy can ensure you’re adequately covered this season. Don’t hesitate to contact us at Insurance Planning for personalized advice.