Common Holiday Insurance Claims and How to Avoid Them

Common Holiday Insurance Claims and How to Avoid Them

The holidays can be a busy time of year for homeowners. The usual holiday list includes entertaining guests, putting up the Christmas tree, cooking full feasts and so much more! It is important that in the midst of all of our holiday planning homeowners do not overlook the increased risks that come with the holiday season.

Did you know that on average $17 million in holiday-related property damage occurs? Rest assured, most of these risks are covered by your homeowner’s policy; however, nobody wants to be in the position to have to file an insurance claim.

What are some ways you can reduce your holiday home hazards this year?

Christmas Trees

Christmas trees cause 240 fires a year, so be sure to keep them hydrated with water and away from your fireplace and other heating sources such as radiators, space heaters and lit candles.

Interior Holiday Lights

Christmas lights are beautiful and usually hung throughout the home to celebrate the season. Unfortunately, they can cause accidents or even shock if they exhaust a power outlet. Have an electrician check your outlets to see whether they can handle the voltage. Also, be sure not to string more than 3 light sets on one extension cord.

Cooking-Related House Fires

While entertaining guests it is possible to forget about the food cooking in the kitchen. Unattended active kitchens are the leading cause of holiday home fires. Be sure to invite your guests into the kitchen with you as you make your fabulous meal so that you can be sure to keep an eye on all of the heat sources as you cook. Don’t forget to use those cooking timers!

Candle-Related House Fires

During this time of year, we all love lighting those candles that bring a warm and inviting scent to our homes. Approximately one-third of home decoration fires are started by candles as reported by the USFA. Be sure to blow out candles before leaving the room or going to sleep.

Exterior Holiday Lights

While these lights help our home to look festive during the holiday season it is important to remember if not done properly, exterior holiday lights can carry a danger. To reduce the risk of injury, homeowners should consider hiring a professional handyman service to hang their lights for them.


Home Alone tried to warn us: burglars are on the prowl during the holiday season. Theft claims increase this time of year, every year. Do your best to reduce your risk of being a victim of theft by locking your home and car doors. Consider installing outside lighting and possibly getting a home security system. Don’t forget to collect packages dropped off at your door as soon as you are able to.

The end of the year is the perfect time to review your homeowner’s policy to ensure you have ENUFF coverage and understand the details of your policy.