Holiday Disasters & Homeowner’s Insurance

When your holiday season takes a turn for the worse, your homeowner’s insurance is there to help you recover.

Homeowner’s insurance includes coverage for your home, it’s contents, and some other structures on your property, if they’re damaged by a covered loss.

• Fire

If your holiday-spiced candle lights the curtains aflame, if your Christmas tree catches ablaze, if your decorative lights spark and sizzle, if you look the other way while cooking and the flame gets out of control, these are all things your homeowner’s insurance would cover. Fire damage is covered under most any dwelling policy, so if your holiday runs a little too hit, your insurance can help pay for repairs.

• Theft / Vandalism

If the Grinch comes and steals your presents, if you find you’re targeted by porch pirates, if your elaborate lawn decorations are deflated and spray painted, you’ll be able to file a claim with your insurance company.

• Identity Theft

If you’re online shopping for the kids and click on that video game console link that looks too good to be true, if grandma falls victim to hackers, if you lose your card during the shuffle of Black Friday and it’s picked up by a nefarious person, identity theft coverage is there to help you. Identity theft is a coverage you can ask your agent to endorse onto your homeowner’s policy, for an additional cost. It doesn’t reimburse you for the monetary losses, but it can help you cover costs to reverse the fraud, fix your credit score, and get your identity back.

The holiday season brings joy and cheer and good feelings all around, but it comes with increased risks. Holiday disasters like fires, thefts and acts of vandalism often spike come this time of year. Your homeowner’s insurance is there to cover you should something happen.

Speak to your agent, or give us a call today to discuss your homeowner’s policy. We’re here to help protect what matters, and that means you.