For many people, hosting holiday parties is one of the highlights of the season, but these gatherings don’t come without risks. Crime always peaks during the holiday season, and common accidents can quickly turn your celebrations into a tragedy. If you don’t have a renters insurance policy, below are a few reasons to purchase coverage before inviting friends and family into your home.

4 Reasons to Get Renters Insurance Before the Holidays

1. Your Landlord’s Policy Doesn’t Cover Your Belongings

If you rent your home, your landlord likely has a property insurance policy that protects the roof, walls, windows, and other structural elements of the building. However, your possessions are probably not included, leaving you to pay for damaged belongings out of your own pocket.

2. Fires Are More Common

Warm candles, crackling fires, and space heaters are an integral part of holiday celebrations for many people, but they also pose a significant fire risk. Renters insurance will compensate you for any damages caused by a home fire, which can quickly destroy everything you own.

3. Guests Might Be Injured on Your Property

Of course, you do everything you can to provide a safe, beautiful environment for your guests, but some accidents are unavoidable. Slips on icy sidewalks are especially common during the holidays, so it pays to have a renter’s insurance policy that will protect you from liability and compensate the victims.

4. Break-ins Spike During the Holiday Season

For most people, the holidays are a season for giving, but criminals see them as an opportunity to take brand-new electronics, jewelry, and valuables from unsuspecting homeowners. Renters insurance will also cover your belongings if they’re stolen or destroyed by vandals, which can save the holidays if someone does break into your home.

From their offices in Fairfield, the Lighthouse Agency Inc. offers a wide range of policies to clients across Ohio. Whether you own your home or rent an apartment, you can rely on their expertise to ensure that your belongings and financial future are protected from the unexpected. Visit their website to learn more about the benefits of renters insurance, follow their Twitter for more safety tips and advice, or call (513) 860-9100 now to request your free quote.