Holiday Disaster: What Home Insurance Covers

Happy holidays from our team at Quick Quality Quotes!

This is truly one of the most wonderful times of the year. There are few things greater than trading in the hecticness of everyday life in order to spend time among food, family, and friends – all in the comfort of your own home.  

In the midst of the amazing – but busy – upcoming holiday season, we want to ensure that you and your loved ones remain as safe and as worry-free as possible. 

One thing that can easily be overlooked during the holiday season is the safety level of your home. Not only can a home break-in dampen your holiday spirits but you also want to make sure that your home is in tip-top shape for visitors.

A holiday seasonal mishap can occur as a result of: 

  • An influx of visitors and guests
  • Changing weather extremes
  • Increased risk of fire
  • Inviting pets indoors
  • Break-ins for expensive holiday gifts

Accidents and disasters are an unavoidable fact of life but your Texas online home insurance quote provider at Quick Quality Quotes can help you get the affordable coverage you need to protect your home amid the holiday madness.  

Below are a few holiday disasters that can be covered with home insurance.

Don’t Let an Increased Risk of Fire Spoil the Season

There’s generally an increased risk of winter holiday fires for a number of reasons. For one, many homeowners decorate their homes with outdoor light displays, towering Christmas trees, or lights draped along the interior and exterior limits of the home.

The National Fire Protection Association (NFPA) has noted the following statistics: 

  • U.S. fire departments responded to an estimated average of 780  home structure fires per year that began with decorations, excluding Christmas trees, between 2013 to 2017.
  • Between 2013 to 2017, U.S. fire departments responded to an average of 160 home fires that started with Christmas trees each year. These fires caused an average of three deaths, 15 injuries, and $10 million in direct property damage annually.
  • Cooking equipment was involved in one of every five (19%) of home decoration fires.

Another cause for concern are space heaters. The NFPA has previously reported that heating equipment (i.e. space heaters) is the 2nd leading cause of U.S. home fires and the third-leading cause of home fire-related fatalities. When placed too close to flammable objects including curtains, furniture, clothing, or bedding, a fire can easily start.

These are a few reasons why making sure you have adequate coverage in place is essential to protecting your property.

Foot Traffic at a Yearly Peak

Although having friends and family visiting during the holiday season can be a delight, you’ll want to safe proof your home to the best of your ability to protect them from injury – especially those little ones who tend to be more prone to injury.

Ways in which your guests can accidentally suffer an injury include:

  • Slips and falls
  • Contact with a damaged sidewalk, driveway, furniture, or patio
  • Dog bite
  • Electrocution

The good news is that many forms of home insurance include coverage to treat injuries obtained on your property. Every situation is unique, so it is vital to consult your insurer to make sure you have sufficient coverage.

At the end of the day, we urge you to reach out to the online Texas home insurance quote providers of Quick Quality Quotes in order to get information tailored to your life and home. 

Protect yourself this upcoming holiday season with the right home insurance coverage to meet your needs. Our Texas online insurance quote provider is eager to help you make your holidays as safe and memorable as can be.

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