Whether you’re shopping for gifts, or preparing the guest room for visitors, getting ready for the holiday season takes a lot of planning. As you anticipate the festivities ahead, it can be easy to overlook several of the risks that the holidays and winter weather present. Fortunately, when accidents happen, your home insurance policy may be able to provide protection that helps you avoid financial loss. If you’re evaluating your insurance, here are just a few wintertime incidents that your plan may cover.  

What Holiday Risks Can Home Insurance Cover?

1. Stolen Gifts

With many homeowners away for the season, the holidays can be prime time for burglars to break-in and take Christmas gifts. If this happens, home insurance can help cover the loss by paying for the items that are lost as a result of theft. Since there are limits to this coverage, it’s a good idea to review your policy with an insurance agent, and if necessary, increase the total to ensure new gifts are covered.

2. Falling Objects

If the winter weather brings a blizzard or ice storm, your home could be at high risk for damage. High winds and heavy snow could cause tree branches to fall and puncture the roof. With home insurance, you can file a claim to have the damage repaired in a timely fashion.   

3. Party Guest Injuries

Holiday parties involve a lot of factors—such as crowds, drinking, and icy walkways—that could increase the risk of a guest injury. If the incident is severe enough, you may be liable for the resulting damages—such as required medical care. If a visitor sues you for compensation, your home insurance will cover the associated medical and legal fees.

4. Pet Bites

Whether you have relatives visiting from out-of-town or delivery persons dropping off packages, the extra activity can make many pets—especially dogs—nervous. If your pet happens to bite or attack a visitor, you may be liable for the injuries and their resulting treatment. A home insurance policy generally covers this type of injury, but check with your agent if you have recently adopted a pet.

5. Lost Luggage

Home insurance doesn’t just cover incidents that happen on your property. With off-premises coverage, your plan is designed to help protect you from losses that occur while you’re traveling. If your luggage goes missing during a holiday vacation, your policy could compensate you for the financial loss of the content and the baggage itself.

If you’re curious about the many ways that home insurance can give you peace of mind this winter, turn to the professionals at Ohio Insurance Center Agency. Providing personalized support in Cincinnati, OH, for more than 40 years, these agents are well-versed in policy terms and specific risks that residents face. Using comprehensive resources, their caring team will help you find a plan that covers your concerns—and fits your budget. To learn more about their customized help, visit this insurance agency online. For a free insurance quote, call a friendly team member at (513) 522-6300.