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From gift shopping to the festive family dinners, the holidays are filled with non-stop hustle and bustle. Unfortunately, the period between Thanksgiving and New Year’s Day can create dangerous conditions at home—some resulting in homeowners insurance claims for repairs and recovery. Here are some of the most common ones filed during the holiday season.

What Homeowners Insurance Claims Are Common During the Holidays? 

1. Pet Injuries

During the holidays, you may be hosting friends and family. If you have dogs and cats at home, the constant activity and unfamiliar faces might cause them to behave abnormally. If they feel anxious or stressed, they may scratch or bite guests. Most homeowners insurance will pay for their medical bills. Depending on the policy, coverage may include wage loss while the person recovers and any financial settlements if they sue you. 

2. House Fires

homeowners insuranceIt only takes minutes for a neglected space heater to ignite. Lit candles can also be a fire hazard—particularly when next to Christmas trees. Homeowners insurance claims for house fires are very common during the holidays. Coverage provides repair and replacement costs for property and personal possessions. If the damage is extensive, most policies will also pay for temporary relocation costs while the house is being restored as well. 

3. Slips & Falls

Icy sidewalks, stairs, and driveways create risky conditions for slip and fall accidents. If a guest is injured while on your property, they may sue you. A homeowners insurance claim can pay for the injured person’s medical expenses. Keep in mind the coverage only extends to guests, not you or immediate family members. You will need to rely on your personal health insurance to cover treatment. 

4. Burglaries

Packages left on doorsteps or visible from windows can attract burglars and petty thieves. Your homeowners insurance policy will typically pay for the replacement of stolen possessions. Depending on the plan’s terms, the insurance provider will either pay the item’s current value or its estimated cost at the time of purchase. 

 

By taking proactive steps, your family can stay safe during the holidays. Since 1994, Richards Insurance Agency in Lincoln, NE, has provided secure and affordable coverage designed to offer year-round protection. When you meet with a friendly and experienced agent, they will listen to your needs and share recommendations for customized homeowners insurance. To get started with a free, no-obligation quote, call (402) 420-5353 or request one online

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