Holiday Scenarios That Can Affect Your Insurance in TexasIt’s the holiday season, and you have a lot on your mind. Trimming the tree, buying and wrapping the gifts, baking the goodies. Be sure your insurance is up to date so you have one less thing to be concerned about!

Stolen holiday packages

During the holiday season, package delivery is a common phenomenon. If you’re a renter, you probably receive package left at your front door, unless the shipper is requested to leave the package at the front desk. If you have renter’s insurance. your possessions from theft are covered, after you pay your deductible. Renters policies usually cover your belongings, whether your apartment is burglarized, or the items are stolen while you are traveling. If you discover a theft, also notify the shipper along with your insurance agent.

Christmas Trees and Christmas Lights

Old fashioned large bulbs, the incandescent ones do get quite hot. Even the small ones can be dangerous if placed between branches and decorations that hold in the heat. If they get hot enough to ignite, you have a big problem.

Smaller holiday bulbs and LEDs that are more common today and are much safer. They rarely get hot enough to ignite. However, it is good to remember, that all of these lights and light sets run on electricity. If one set is damaged, a few strands of wire may be overloaded. If this happens and the insulation melts, it can get hot enough to start a fire. Broken wires can arc and ignite flammables. Typically, the fuses built into light sets usually prevent short circuits and arcing.

Your homeowner’s insurance covers such damages, but it is better to be safe, not sorry, and prevent it from happening in the first place.

Holiday Parties and Your Insurance

Christmas parties are some of the most favorite, but can easily result in accidents or damages during the festivities. Here are a few scenarios that help explain what is and is not covered under your homeowner’s insurance.

  • You attempt a marshmallow roasting in the fireplace and start a house fire:  You’re covered.
  • Your outdoor display ignites a new bush you just planted and burns it to a crisp: You’re covered.
  • Your pet ferret jumps into your Christmas tree, then the cat chases it and destroys your gifts:  You are NOT covered.
  • You’re burglarized and thieves get away with all your Christmas gifts:  You’re covered.

Remember, while the holidays are a wonderful time of the year to enjoy friends and family, consider the more serious side of protecting your belongings by understanding your renter’s or homeowners insurance.

Home and Auto Insurance Odessa, TXWhen you’re away traveling during the holidays visiting family and friends, are you confident your home and auto insurance are up to date and cover everything you need it to?

Being away from home can be worrisome if you don’t lay some groundwork first. Here are some valuable tips to put your mind at ease while you’re gone.

Lock it up — Using secure locks on all doors and windows is a great first step. Any windows or locks that are broken should be repaired.

Good neighbor policy — If you’re fortunate enough to have one good neighbor you trust, leave your travel schedule with them. Leave a key with them so they can check on the house and leave a telephone number to reach you in case of an emergency.

Don’t publish your plans – Avoid sharing your travel plans with all your ‘friends’ on social media. That can unfortunately be a weak link and an invitation to burglars.

Occupied house – Either have the post office hold your mail or ask a neighbor to pick it up each day. And no need to have the newspaper delivery while you’re gone. If it appears someone is at home you are safer from being burglarized. Timer switches on lights are a good idea so the house is lit up during the evening hours.