The holidays are a time for family, fun, and festive celebration. In the merriment of the season, it can be easy to forget about important safeguards like homeowner's insurance. Below are a few reasons to renew your home insurance policy before the holidays are over.
3 Benefits of Renewing Your Homeowner’s Insurance Policy
Protect Holiday Gifts
Most homeowner's insurance policies provide coverage for costlier items like diamond rings and artwork. If you've spent a considerable sum to purchase a gift for someone special, your policy should protect the investment. The extent of that protection depends on how the item is lost or damaged. Most homeowner's coverage will reimburse up to a certain point on more expensive goods like jewelry if the item was stolen. If the item was lost in another insurable incident, like a fire, then the entire cost is typically covered.
Protect Your Home
Firefighters see a spike in house fires during the holiday season, largely because of all the holiday lights, seasonal candles, and extra electrical accouterments. Homeowner's insurance protects your home in the event of a fire and ensures you have the resources to rebuild or find another home. Just be sure before you renew that you review the policy limits. A homeowner who has put more money into their home or belongings in the previous year should increase their limits for maximum protection.
Protect the Yard, Too
Many property owners enjoy decking out their homes in holiday lights and other illuminated decorations. Unfortunately, some of these can also be fire hazards. But home insurance coverage will reimburse you to a certain extent should trees, plants, shrubbery, or other landscaping catch fire. Considering renewing your policy before putting up those multicolored lights for peace of mind for your home and family.
The protections afforded by homeowner's insurance cannot be overstated. Albers Insurance Agency is here to help you find the perfect policy for your needs. Since 1949, they have been the insurance agency of choice for Hamilton County, Ohio. They also offer auto, life, and disability insurance. Contact them today by calling (513) 891-3304, visiting their website, or messaging them on Facebook.