How Your Insurance Protects You Around The Holidays
Every family has a holiday crisis that eventually becomes part of the family storytelling in years to come. Insurance isn’t festive, but it can come to the rescue during your festivities.
If you poison someone at dinner, the liability portion of your home insurance is there for you.
If you happen to have a bad turkey, a poorly prepared side dish, or something else that spoiled your holiday dinner and ends up making everyone sick, you don’t have to worry about a claim against you. Your liability insurance can cover you in the event that someone does get food poisoning from your meal and decides to take it up legally.
If someone steals presents you have in your car, Personal Property Off Premises Coverage has your back.
Unfortunately, the holidays don’t just bring out the good in people, they also present an opportunity for thieves to break in and steal all of the presents you’ve purchased. If that were to happen, those gifts would be covered by your home insurance (or renters insurance if you don’t own a home).
If your tree burns down your house, you’re covered.
Water your tree, check the wires on your lights for shorts and don’t go old school on your tree by using candles for lights. If the worst happens and your tree catches fire, your home insurance is there for you with fire coverage – and if your house is burned, you will need a place to celebrate. That’s where the additional living expense coverage comes in; you will obviously need a place to live while your home is being repaired. You won’t be celebrating at home, but you also won’t have to impose on anyone else during the holiday season.
If your party gets too rambunctious and someone gets hurt, you’re covered.
Your homeowner’s insurance includes “medical payments” coverage so you can rush someone to the emergency room in the event of an emergency on your property. The minimum coverage is $500, but more can be purchased if you are inclined to do so, especially if you have lots of get-togethers.
Interested to see what other things are covered by your specific policy? Give us a call today!
