With the holiday season around the corner, it’s time to start making preparations for shopping, decorating, and houseguests. However, the first task at the top of your to-do list should be reviewing your property insurance policy. There are many types of risks associated with this time of year, and they can quickly turn a festive occasion into a devastating one. Having adequate coverage will minimize your threat of loss and allow you to enjoy the holidays. The professionals at Fame Insurance Agency are the go-to insurance broker for high-quality products and personalized service in Indianapolis, IN.
Below, they explain how property insurance will protect your home and belongings:
- Fire Damage: Holiday lighting, whether it’s on the outside of your home or indoors on a Christmas tree, has the potential to cause fire-related incidents during the holidays. Overloaded outlets and improper fireplace use are also common reasons fire occurs around this time of year. Any fire damage to your home or the gifts under your tree will be covered by your property insurance.
- Stolen Gifts: Unfortunately, not everyone gets into the holiday spirit, and theft rates tend to go up in the weeks leading up to and following the holidays. Whether they’re in your car or your home, your property insurance policy will cover stolen presents and provide you with the funds to replace them. If you’re gifting anything particularly valuable, it’s a good idea to speak with your insurance broker as soon as possible to ensure you have enough coverage.
- Accidents: As you get ready to host holiday parties or have guests over for dinner, it’s important your property insurance policy includes the appropriate amount of liability coverage as well. Accidents can occur at any time, and if you have a neighbor fall off your roof while helping put up your lights or a friend slip on the icy sidewalk on their way to your front door, you should be covered to take care of the costs.
If you experience a mishap this holiday season, you can have peace of mind knowing your property insurance will help you recover. Whether you need to purchase a new policy or update your existing one, now is the ideal time to make sure you’re properly covered for possible disasters. Contact Fame Insurance Agency at (317) 383-0181, or visit them online to request a quote.