16 Nov Are you sure you have the right Homeowners Insurance to cover those holiday gatherings?

The holiday season is always “the most wonderful time of the year” according to Christmas carols that are non-stop on the radio. However, when making sure that your table is prefect and your turkey is cooked perfectly, also make sure that you have the proper home insurance. There are a number of dangers that could take place in your home during the holiday season. Although we may not like to think of the dangers, it is always good to be prepared if something does happen.
Basic home insurance includes coverage for four standards; the physical building of your home, detached structures like a garage or shed, your personal property within the home, and liability for defense against lawsuits. During the holiday season, all four of theses standards are especially important. If you are hosting friends and family over for a holiday party, make sure you have protection if anything is damaged in your home. Even while hanging up holiday lights around your property, make sure your home insurance policy has coverage if anything goes wrong. However sometime the standard home insurance policy is not enough. An umbrella policy include extra coverage such as if someone gets hurt on your property, if your pet harms one of your guest, and anything on your property damages another property. If you have any questions about your home insurance policy, give Spivey Insurance Group a call at 704-821-4460. Keep up with Spivey Insurance Group throughout the holiday season on Facebook, Twitter, Google Plus, and Pinterest!