The holiday season is in full swing. Parties galore, shopping ’til you drop, and far too much good food and drink. But in addition to the traditional festive cheer that ramps up around this time of year, you should be aware of traditional risks that also intensify around the holidays.
With a little preventive action and a solid home insurance policy, those risks can fade into the background, allowing you to enjoy these next few weeks to the fullest.
Now is a good time to review your personal insurance policies, making sure they’re up to snuff. While many of your risks are probably covered, a few might not be as explained below.
Many risks to your home and family during the holiday season are covered by a good Homeowners’ or Condominium Insurance policy. In particular, the “Personal Property & Buildings” section of your policy probably insures against the following situations. And if you rent, your renters’ policy protects your belongings in these situations.
Another aspect of your Homeowners’ or Condominium Insurance — the “Personal Liability” component — protects you in the following situations.
Identity theft deserves a special mention. It’s a constant risk, of course, but especially so during heavy shopping periods like the holidays.
Your personal insurance does not automatically cover identity theft. Be sure to talk to your insurance agents about this to be sure you have protection.
Even though insurance is there like a warm blanket of protection, do you really want to deal with damage, injury or loss on top of everything else happening around the holidays? Of course not. The following tips suggest simple steps you can take to keep your family and your home safe.
Note: The information above is general advice. Insurance coverage varies from policy to policy. All claims are subject to policy terms and conditions.
Leap | Carpenter | Kemps Insurance Agency provides Commercial Business Insurance, Employee Benefits, Life and Health Insurance, and Personal Insurance to all of California, including Merced, Atwater, Los Banos, Mariposa, Madera, Fresno, Modesto, Turlock, and Stockton.
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