Share:

Because of the joy of the season, it’s easy to forget that holiday hazards are very real. Every year, families around the country must cope with house fires, break-ins, burst pipes, and unanticipated injuries. As long as they have adequate homeowners insurance, though, none of these catastrophes will threaten their financial security. 

4 Holiday Hazards That Homeowners Insurance Can Cover

1. Fires 

Christmas trees start more than 250 house fires every year. An additional 150 house fires start because of holiday lights. Even if the fire is caught and extinguished promptly, it can cause thousands of dollars in damage. Thankfully, the average homeowners policy will cover all necessary repairs, as well as the replacement of any damaged belongings.  

2. Theft

Break-ins are relatively common around the holidays because so many people leave their homes unattended. Should someone break into your house while you’re visiting loved ones, your insurer may cover the resulting property damage, as well as the replacement costs of any stolen goods. 

3. Water Damage

homeowners insuranceThe standard homeowners insurance policy covers some kinds of water damage but not others. For example, it will usually cover burst pipes but not flooding due to natural disasters. If you’ll be traveling over the holidays, make sure to leave the heat on, and turn on the faucets to a trickle to keep the pipes from freezing and then bursting

4. Accidental Injuries 

If you host guests over the holidays and someone gets hurt on the premises, they may file a claim for medical expenses and lost wages. As long as your policy includes personal injury liability, your insurer should accept third-party claims. In other words, your guests won't face financial ruin in the event of a slip and fall or dog bite. 

 

If your current policy doesn't cover these events, turn to Omega Insurance Group to explore other homeowners insurance plans. Located in Lincoln, NE, this agency operates independently, which allows them to offer custom policies from all the leading carriers at competitive rates. Backed by more than 50 years of experience in the field, their team can assist with life, auto, business, and homeowners insurance. To learn more about the carriers they work with, visit their website. To go over your needs with one of their agents, call (402) 465-1167. 

tracking