With the holidays around the corner, you may be starting to prepare for all the quality time you’ll be spending with friends and family. If any of your plans involve hosting a gathering, there will be several details to consider. While you may be focused on putting together a menu, shopping for decorations, and arranging the entertainment, your top priority should be making sure you have adequate renters insurance to protect you in the event of a disaster. Though your intentions are for everyone to have a great time, a few things could go wrong. Here are a few reasons to get coverage before the festivities begin.

Why You Should Purchase Renters Insurance if You’re Planning a Holiday Party

1. Personal Injury 

The law stipulates that when you invite people onto your property you have a duty to keep them out of harm’s way. If you fail to do this and a guest gets hurt, you can be sued. Thus, it’s crucial to make sure you have a sufficient amount of liability coverage. Should someone suffer an injury while attending your holiday party, such as being bitten by your dog or slipping and falling down the stairs, your renters insurance policy will pay for their medical expenses and other losses they incur. 

2. Fire 

There’s nothing that can set the mood for a holiday party better than a cozy fire or flickering candles. Unfortunately, these are some of the most common causes of house fires during the winter season. If a fire were to break out at your event, the property coverage portion of your renters insurance policy would cover the damages. It is designed to provide the funds you would need to repair the structure and replace your personal property.

3. Theft 

Stolen property is on the rise over the holidays, and you can be the victim of theft when you least expect it. If you have valuable gifts under the tree, you will want to inform your insurance agent and discuss how much protection you need to buy before the date of your social affair. This will ensure you’re covered if anything comes up missing after all your guests have left. 

The arrival of the holiday season and all the risks that come with it is a good reminder to purchase renters insurance or review the policy you currently have. David R Johnson Insurance can help explore your different coverage options to determine which will most suitably meet your needs and budget. He offers close to 30 years of industry experience and a partnership with one of the nation’s leading providers. This is why the residents of Beech Grove, IN turn to him for quality insurance solutions. Call (317) 782-8858 to schedule an appointment or visit him online to request a quote.