It’s the most wonderful time of the year. Unfortunately, that sentiment does not prevent disasters from happening. Mishaps during the holidays are all too common. Find out if your homeowners insurance protects you during this festive time of year.
Injuries
If you fall off a ladder while making your home look merry and bright, chances are you will utilize your personal health insurance coverage. What happens if a neighbor trips over an extension cord running across your yard?
“The medical payments coverage within homeowners insurance pays for guests injured on your property,” says Dustyn Shroff, Vice President of GreatFlorida Insurance. “You also have liability insurance in case you are sued for injuries.
Fire
Fires usually start with candle flames, overloaded outlets and dry Christmas trees, the very source of our festive ambiance. The U.S. Fire Administration(USFA) reports December as the peak month for candle fires, with one-third of them starting in the bedroom.
In your homeowners insurance, dwelling coverage pays for damage to your home and any unattached structures such as a fence or attached garage. Personal property will cover your belongings, including furniture and clothing.
“Consider increasing the limits of your homeowners insurance if it was purchased a while back,” recommends Buck with GreatFlorida Insurance. “Ask an agent to help you identify your home’s current rebuilding costs.”
Theft
Not everyone this season is in the holiday spirit. Porch pirates are ramping up to steal your packages. NBC News claims an estimated 23 million Americans reported stolen packages over the past year. Having packages delivered to your workplace, tracking packages and requiring a signature will leave porch pirates empty handed.
Personal property within your homeowners insurance will cover stolen items from inside your home or the front porch.
While insurance coverage is not at the forefront of your mind this holiday season, it is comforting to know, the proper homeowners insurance has you covered for unexpected hazards that can occur.
GreatFlorida Insurance agents will make sure you have the adequate homeowners insurance to keep you and your family protected throughout the holiday season. Call us today.
