The holiday season is filled with joy, but it’s also a time to think about protecting what matters most. With decorations, shopping sprees, and festive gatherings, your insurance may need a little holiday tune-up. Remember, as your life changes, so should your insurance. A quick call to Dimmitt Insurance can help ensure you’re properly covered. Here are 12 essential holiday insurance tips to keep your season safe and stress-free:
1. Water Your Tree Daily
A dry tree is a fire hazard. Ensure your Christmas tree is well-watered to prevent the branches from drying out. A single spark from a nearby candle or fireplace could ignite a disaster.
2. Review Your Homeowner’s Insurance
If you’ve purchased expensive gifts like jewelry, electronics, or other valuables, you might need to update your homeowner’s coverage. Protect your new treasures by ensuring they’re adequately insured.
3. Update Your Auto Insurance
Holiday shopping trips and family visits mean more time on the road. With the added risks of icy conditions and storms, make sure your auto insurance is up to date. Plan for extra travel time and avoid distractions to ensure safe travels.
4. Protect Yourself While Online Shopping
Online shopping spikes during the holidays, which can increase the risk of identity theft. Consider adding identity theft protection to your homeowner’s or renter’s insurance. This affordable addition can provide peace of mind.
5. Use Safe Holiday Lights
Only use outdoor-rated lights and extension cords for exterior decorations. Plug them into GFCI outlets and avoid overloading cords to prevent overheating and potential fires.
6. Guard Against Porch Pirates
Packages left unattended on your porch can attract thieves. Request delivery confirmations, schedule deliveries when someone is home, or install security cameras. Some packages may even be insured automatically or can be covered with additional policy options.
7. Never Drink and Drive
Holiday parties are fun, but they come with responsibility. Remember that some states hold hosts liable for damages caused by intoxicated guests. Play it safe by providing non-alcoholic options or arranging transportation for guests.
8. Candle Caution
Candles bring warmth and charm to the holidays, but they also pose a fire risk. Never leave them burning unattended, and keep them away from flammable items.
9. Activate Your Alarm System
Errands and gatherings will keep you busy, but don’t forget to set your home security system. Thieves can break in within minutes, so always leave your home protected.
10. Prevent Vehicle Theft
Holiday shopping can attract car thieves. Lock your car, keep packages out of sight, and park in well-lit areas close to the store. These simple steps can prevent a potential break-in.
11. Practice Stovetop Safety
Cooking is a holiday tradition, but unattended food is the leading cause of kitchen fires. Stay vigilant in the kitchen, especially when using the stove or fryer.
12. Insure Your Valuables
Home insurance typically covers stolen property, even when you’re traveling. However, high-value items like jewelry, furs, and gadgets might need additional coverage. Installing a home security system can also reduce your premiums.
This holiday season, take a moment to ensure you’re fully protected. Dimmitt Insurance is here to help you navigate your coverage needs and provide peace of mind. Call us today to discuss how we can keep your home, car, family, and life safe this Christmas.
