5 Insurance Tips for a Stress-free Holiday Season

The holidays are here—a time for joy, connection, and celebration. But amidst the hustle and bustle, it’s easy to overlook the “what ifs” that can turn a happy moment into a stressful one. With these five essential insurance tips, you’ll be prepared for anything, so you can focus on making memories, not handling mishaps.

1. Protect High-Value Holiday Gifts 🎁

Gifting something extra special this year? Whether it’s a sparkling diamond necklace or the latest tech gadget, these high-value items may need additional coverage beyond your standard homeowners or renters insurance policy.

Why It Matters: If these items are lost, stolen, or damaged, scheduling them on your policy ensures they’re fully covered.

Pro Tip:

• Save receipts and take photos of high-value gifts.
• Contact your agent to discuss adding these items to your coverage.

2. Review Your Liability Coverage 🏠

Holiday parties are a staple of the season, but hosting comes with risks. Slippery walkways, broken valuables, or guest injuries can result in costly claims. Liability coverage under your homeowners policy can help, but knowing your limits is crucial.

Pro Tip:

• Consider adding an umbrella policy for extra protection.
• Always clear snow and ice from driveways and walkways before guests arrive.

3. Keep Your Home Safe While Traveling ✈️

Heading out of town for the holidays? A vacant home can be a target for theft or vulnerable to damage from frozen pipes or power outages. Take proactive steps to secure your property before you go.

What You Can Do:

• Use smart home devices like cameras and light timers.
• Pause mail and package deliveries to avoid attracting attention.

Insider Tip: Keep your thermostat above 55°F to prevent freezing pipes, as some policies require reasonable precautions to honor claims.

4. Prepare for Winter Weather Hazards ❄️

Winter storms can wreak havoc on homes. From fallen trees to roof leaks, ensure your homeowners policy covers these common risks.

What You Can Do:

• Inspect your roof and gutters for debris.
• Trim overhanging branches near your home.
• Stock emergency supplies, including flashlights and blankets, for power outages.

5. End-of-Year Policy Review 📋

Life happens—and so does change. Use the holiday season to revisit your insurance policies. Have you moved, renovated, or made major purchases this year? Updating your coverage ensures there are no surprises if you need to file a claim.

Make It Easy: Schedule a quick call with your insurance agent to confirm everything is up to date.

Enjoy the Holidays Without Worry 🎉

By taking these simple steps, you can focus on what truly matters this holiday season—time with loved ones, festive traditions, and creating memories. Protect your home, your gifts, and your peace of mind.

📞 Have questions about your coverage? Contact us today to review your policies and prepare for the season ahead.