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Protect your property during the holidays



Holidays are a time to celebrate and spend time with family and friends. They can also pose a greater risk to your property if you are hosting parties or traveling away from home for other celebrations. This is where your homeowner's insurance comes in.

Standard Insurance Requirements for Vacation Homeowners

Your homeowner's insurance will likely cover a range of vacation-related losses, including the following. This can lead to damage to a neighbor's or someone else's property, or to someone being injured. Home insurance provides personal liability protection if you are held liable for property damage or personal injury.

Theft

If you travel over the holidays and leave your house empty, burglars and thieves may see it as a possibility. Your homeowner's property insurance should cover the loss if something is stolen from your home, after your deductible is met. However, it is important to make sure you have adequate coverage. You may want to purchase a separate policy for valuables, such as diamond jewelry or expensive paintings.

Fire

House fires are common during the holidays. Between 201

4 and 2018, U.S. fire brigades responded to an average of 160 home fires that started with Christmas trees each year, according to the National Fire Protection Association ( NFPA ). The cooking fires also increase during the holidays. Make sure you have enough homeowners' insurance coverage to rebuild your home should it burn to the ground.

Credit Card Theft

If your credit card is stolen during the holidays, your home insurance may offer some protection. Most standard policies include about $ 500 in coverage for purchases made with a stolen credit card. Our agent can help you determine how much your insurance will cover for credit card theft.

Types of protection provided by a homeowners policy

Most common homeowners insurance policies include these types of insurance to protect you during the holidays: [19659016] Housing: This cover protects your living space and associated structures, such as a carport or garage. It shall provide protection for damage caused by fire, lightning, sleet, snow, explosions, theft or damage.

  • Personal liability: This applies to incidents where you are held liable for personal or property damage that occurs on the premises of someone other than a member of your household, or caused by your child or pet.
  • Medicine: This insurance coverage included in your homeowner's policy pays for medical expenses for an injured guest, regardless of fault.
  • Personal Property: Personal Property Coverage protects you from the loss of your home's contents, including clothing, furniture, electronics and appliances.
  • Extra cost of living: If a disaster like a fire forces you to temporarily move to another home, this coverage will help pay for your cost of living.
  • Some risks to your property may increase significantly during the holiday period. These risks include (but are not limited to) fire, theft, damage to visitors and damage to property of others. Our agent can help ensure that you have the home insurance coverage you need to be fully protected.


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