Insurance Can Protect Your Holiday Season
You might not think of insurance when you think of the Minnesota holiday season in terms of gift-giving, but I’m sure you can remember a crazy story or two that happened around the holidays. Unfortunately, sometimes our favorite holiday films mirror real life, and disasters can happen that often become things we laugh about for years to come. Here are some ways that insurance protects you from potential holiday mishaps.
Holiday Food Poisoning
Did you know that a portion of your home insurance covers food poisoning? Of course, we know nobody would probably do this to their family on purpose, and not many are likely to sue a relative for an undercooked turkey, but if, for some reason, someone decided to, you’re covered.
Your homeowner’s insurance policy can help protect you if you are sued due to an illness after attending a Christmas party on your property. Instances of food poisoning and contagious disease transfer are typically seen as a covered peril under standard homeowners insurance.
If a Candle or Christmas Tree Starts A Fire
First of all, if you have a real tree, this is your reminder to water it and make sure your lights have no exposed wires, and you can skip anything that is additionally flammable on the tree. We all know candles are extra festive this time of year, but it might be okay to do the flameless for your holiday party.
Even with the best intentions, if you or someone in your home, including the cat, knocks over a candle, or even the most hydrated Christmas tree starts on fire, Homeowners insurance can cover it. So if your house burns down or a fire damages your personal property during the holidays, your homeowner’s policy can help pay for damages and repairs.
Your Presents Are Stolen
Unfortunately, not everyone is out spreading holiday cheer, and there are always some non-reformed grinches that are out to ruin Christmas and steal your gifts. So if you are buying holiday gifts, keep valuable items out of sight with a blanket or covering or in the trunk. Unfortunately, car insurance policies will not cover stolen holiday packages. In most cases, insurance companies will only cover damages to items that are factory installed in a vehicle. So instead, a gift loss usually falls under a homeowner or renter’s insurance policy, where you can make a claim.
Your Minnesota Holiday Party Was Too Fun
If someone has a little too much fun at your party and happens to sprain their ankle while dancing at your house or even slips on the ice on the way to their car, have no fear. Your homeowner’s or general liability insurance can include coverage so you can get them medical care. I would certainly purchase more insurance if you throw lots of parties, and maybe in Minnesota, consider making sure your walkways are shoveled and or de-iced can’t hurt either.
Be Prepared For This Holiday Season
If you can think of it, there is probably a policy that could cover almost anything that could happen during Christmas time here in Minnesota. At Hermann Insurance, we want to make sure you have the best insurance policies for your lifestyle so you can live and celebrate life the way you want to! Don’t be afraid to call us to make sure you have the insurance you need to make sure your holidays are merry for years to come! Contact us, visit one of our three branches outside of North Branch, MN or get a free quote today!