The holidays bring a unique set of dangers to your house.
The holidays are meant to be full of cheer. Unfortunately, just one accident can be enough to ruin your entire season. Knowing how to protect yourself and your family from any disaster that you may face will help to ensure that you can take full advantage of the season. Keep these holiday homeowners liabilities in mind to prepare for the season.
Your chestnut roasting leads to a home fire.
Home fire claims increase more than 10 percent during the holiday season, although not all of them are tied to chestnuts. Typical homeowners insurance policies will provide coverage if your house is burnt down. Looking over your home inventory to ensure it is up to date before the holidays will help to ensure that you have the right amount of coverage.
Thieves break in and steal all of your perfectly wrapped gifts.
Home insurance policies generally provide coverage for your personal belongings at 50 to 70 percent of your dwelling coverage. If any of your gifts are extremely valuable, such as a new diamond ring for that someone special, you should schedule it within your policy to ensure it is properly covered.
A delivery man slips and falls on your walkway.
Your existing home insurance policy will provide liability coverage for injuries that occur on your property. However, the limits can easily be exceeded depending on how hard the delivery man fell. Investing in a personal umbrella insurance policy will help to provide the additional coverage that you need to ensure that you aren’t financially devastated after just one accident.
For all of your homeowners insurance needs to ensure that you have the coverage that you deserve in case you have to make a claim this holiday season, contact the Insurance Agency of Dean Davis in Austin, Texas.More