You Want Me To Think About Insurance During the Holidays? No Way!

Do I really need to think about insurance during the holiday season? I am already so busy and being pulled in lots of different directions! I don’t like to think about insurance on a normal day, much less in December!

I am right there with you! My to-do list is ever-growing.

However, Merry Christmas can become Miserable Christmas quickly.

Here is a short and easy list of things to remember during this time. 

1. Are you purchasing any jewelry this holiday season? If so, be sure you contact your insurance agent, especially if it’s an expensive piece. Engagement ring? Special bracelet? The value of the item may push it out of range for the basic coverage on your homeowner’s policy or your renter’s policy. Quickly email your agent with a description of the piece and the valuation and find out if it needs to be scheduled on your policy separately. Do this as soon as you buy it, just in case. 

2. DO NOT LEAVE VALUABLES IN YOUR CAR. Whether your car is parked in the mall parking lot or your driveway, be sure you remove everything from your car that could be attractive to thieves. Remind guests at your home to do the same. A smash and grab can happen so quickly! You would hate to have to replace the items stolen AND file an insurance claim.  

3. Be aware of extra fire risks. Lots of people use more candles, light fires, etc. at this time of year. Extinguish anything burning before you leave the house. Pay attention to curtains, pillows, extra blankets, the Christmas tree skirt and coats. 

4. Slip and falls accidents are a real hazard with the icy weather and more guests visiting your home or business. Keep up with ice/snow removal and assist guests or family members as needed.  

5. Your furry family members disguised as dogs might need some special attention this time of year too. Extra people in the house and lots of excitement can put pressure on your dog and cause them to behave in ways that are outside of their norm. Dog bites are one of the top homeowner’s claims so be aware of how your pet is dealing with the fun and put them safely away. 

A couple of extra minutes to ensure your home, vehicle and family members are safe can keep your holiday season merry.