19 Nov Home (Insurance) For The Holidays – 4 Things To Know About Hosting Family Gatherings

The holidays are supposed to be a time of joy, love, and happiness. Your family (chosen or otherwise) get together and exchange gifts, share plates of delicious food, laugh, and enjoy a wonderful time. Nothing can go wrong, right? While most families manage to get through Thanksgiving, Christmas, Hanukkah, or New Years’ without an issue, some end up having to endure some mini disasters.

What kinds of mini disasters, you ask? These usually consist of small (or large) catastrophes that require the help of your homeowner’s insurance policy, of course. What could possibly go wrong when you’re home for the holidays? Here are four examples to keep an eye out for.

Your Most-Loved Precious Vase Might be Broken

Sometimes, it seems as though the things you love the most are those that are easily broken. Having your favorite vase, statue, painting, or other fragile and expensive prized possession broken by your nieces and nephews at your holiday party seems inevitable. It’s the price of life. But luckily, it’s also one that can be covered by your homeowner’s insurance. Just keep in mind that if the item is extremely valuable, it might need its own policy.

The Weather Outside Could be Frightful

A snowy road and an icy driveway may combine to lead to one of your loved ones accidentally driving into your yard, your porch, or even your house. After replacing your holiday decorations and reassuring everyone that the party’s still on, you’ll need to contact your home insurer to see if the damage is covered. This could pay for all of the repairs to both your home and landscaping that you need.

Your Tipsy Aunt or Uncle May Trip Over a Rug

Holiday injuries run rampant, even more so when there’s liquor involved. When your aunt trips over a rug and breaks her ankle while trying to reach her sister or your uncle manages to sprain his elbow in a match to see if he’s stronger than his brother, you could be found liable for their injuries if they happened in your home. This is where your homeowner’s insurance comes into play.

Allergic Reactions and Food Poisoning Are Real Threats

The holidays and tables full of food tend to go hand in hand. After all, what’s Thanksgiving without a big feast that nearly puts the attendees to sleep afterwards? The problem lies with allergic reactions, food sensitivities, and food poisoning.

Did you know that your Great Aunt Susan made the pie two weeks ago and left it on the counter without refrigerating it? Or that your cousin’s new spouse is allergic to tree nuts, and you find out right after they reach for a snowball cookie? These drastic turns of events can lead to hospital care, as well as a possible lawsuit. Prevent having to pay for healthcare and more out of pocket with a liability insurance policy.

Do You Need a New Home Insurance Policy for the Holiday?

If you need to raise the amount of homeowner’s insurance that you’re carrying or want to purchase a new policy before the holidays are officially here, contact Spivey Insurance. Our well-trained agents can help you find the best policies for your needs and answer any questions that you may have so that your holidays can remain merry and bright.