The holidays are a time for celebrations, family, and good cheer, but they also pose some special risks that could completely upend your life. While you’re preparing to hang your lights and put your shopping list together, you should add a homeowners insurance review to your holiday to-do list. If the unexpected occurs, as it often does during this season, you’ll want to make sure you have all the protection you need.

Why Updating Your Homeowners Insurance Before the Holidays Is So Important

Holidays Are Filled With Fire Hazards

Lights, candles, and fires crackling in the fireplace can make your home cheerful and festive, but they also present a serious hazard to your home and your family. In fact, over 47,000 fires occur every year during the holiday season, many of which are caused by unattended candles and trees. Because many of these fires start at night, they can be extremely dangerous and could completely destroy your home.

Thieves Are on the Prowl

The holidays are a busy season for thieves and burglars, who like to target houses while their owners are out of town. They also know many people receive valuable gifts during the holidays, some of which could exceed the coverage limits of your homeowners insurance policy. Before the holiday season comes around, you might want to consider increasing those limits to ensure you’re fully compensated for losses due to vandalism and theft.

Accidents Happen

If a friend, neighbor, or family member is hurt while helping you hang lights or put decorations on the roof, you could be responsible for their injuries. Fortunately, the standard homeowners policy includes liability protection that will pay their medical expenses, as well as any legal fees that could result. In general, it’s a good idea to ensure you have coverage equal to your assets.

For decades, homeowners throughout Beatrice, NE, have turned to Fritch Insurance, an independent agency with a reputation for giving their clients the individual attention they deserve. After reviewing your financial situation and assets, they’ll shop around to find the best policy to meet your needs at the best rates possible. To schedule an appointment or request a homeowners insurance quote, call (402) 223-3312 or visit their website today and follow them on Twitter for more tips and advice.