The holidays are a time of celebration. However, as joyous as the season is, the festivities involved can also increase the risk of accidents and insurance claims. Therefore, to promote a happy and healthy season, consider taking the following precautions.

How to Avoid Holiday Insurance Claims

1. Bodily Injury

While gatherings might be smaller this year due to COVID-19 concerns, you may still have some houseguests over for dinner. As much pleasure as this social interaction can bring, hosts are responsible for any injuries that a visitor sustains in their home. This can range from a dog bite from your scared pet to a twisted ankle that they might get walking up your porch stairs.

While your home liability insurance will help cover these costs, take steps to prevent them in the first place. Keep nervous pets in a different area of the home. Place non-slip mats down to prevent falls during inclement weather.

2. House Fires

Thanksgiving has the highest risk of house fires out of any day of the year—with 1600 incidents reported in 2017. Cooks should keep a close eye on their stovetops and ovens to prevent flames from accidentally jumping to nearby materials. Decorations should be kept away from all sources of heat—including fireplaces and radiators. When possible, avoid burning real candles, which can easily be knocked over by eager kids or pets. Instead, opt for the battery-powered kind.

3. Auto Accidents

Studies show that traffic accidents occur more during the holidays. While you can't control how the vehicles around you operate, you can reduce your risk of accidents by following cars at a safe distance and allowing additional space during periods of wet weather. Avoid the push to speed by giving yourself more time to get to your destination. 

Additionally, never drive while under the influence. Always call a cab or ride-hailing service if you have been drinking.

Despite taking every precaution, accidents can still happen—especially around the holidays when everyone is stepping outside of their normal routine. Protect yourself financially from potential liability by contacting Integrity Insurance Solutions in San Marcos, TX. Their knowledgable team provides affordable and flexible insurance coverage options, including homeowners, auto, liability, and umbrella policies. Contact them today at (512) 396-2211 to request a quote. Visit them online to learn more about their services.