Holiday Risks That Can Shake Up Your Homeowners Insurance

​Whether you’re channeling your inner Santa or leaning full Grinch, the holidays bring unique risks that could test your homeowners' insurance. Here’s a festive breakdown:

1. Expensive Presents
   You scored a fancy watch or a rare collectible? Nice! But heads up, your homeowners' policy might not cover high-value items without extra coverage. The Grinch isn’t the only one who could leave you empty-handed.
2. Engagement Rings
   ‘Tis the season for proposals! If there’s a shiny new rock in the house, add it to your policy, or risk it becoming the most expensive thing you “almost” insured. Ask your agent about separate jewelry coverage too.
3. Holiday Drinks
   Spiked holiday punch fueled parties are a blast! Until Uncle Bob trips over a reindeer, or a guest drives off and causes trouble. In Nevada, hosts are only liable for the actions of minors they serve. So, serve responsibly or consider hiring a bartender to control who drinks what, encourages designated drivers or rideshares.
4. Deck-the-Halls Fires
   Twinkling lights and candles turn your home into a holiday wonderland, but also a fire hazard. A turkey fryer gone rogue or a dry Christmas tree could lead to a not-so-silent night with your insurance agent. While your homeowners' insurance likely covers fire related damage, it's always wise to stay vigilant as you deck the halls to keep your home and loved ones safe this holiday season.
5. Theft
   While you’re off caroling, burglars may be casing your home. Smart locks, light timers, pausing mail delivery, and security cameras can help deter them. However, make sure you are properly covered, so if Santa can’t replace anything damaged or stolen, your insurance can.
6. Sewer Backups
   Holiday sewer backups from grease or heavy plumbing use can ruin the season, but water backup coverage can save the day. Avoid issues by letting grease cool and solidify then toss in the trash, fixing leaks, and clearing pipes before hosting guests. In extreme cold, let faucets drip to prevent burst pipes.
7. Winter Storms
   Roof leaks, and frozen pipes are all part of winter’s charm. Your homeowners' policy likely covers damage, but proper prep like clearing snow and insulating pipes can save you from the chill of a claim.

Stay safe and insured. It’s the gift that keeps on giving!