The holiday season is here, and with it comes the joy of decorating your home with twinkling lights, wreaths, and festive inflatables. While holiday decorations bring warmth and cheer, they can also pose potential risks. From electrical mishaps to accidental damage, it’s important to know how your home insurance policy protects you during the season.
At ABQ Insurance, we specialize in tailoring Home Owners Insurance in Albuquerque NM to your specific needs. Being adequately covered can ensure your peace of mind—even when holiday surprises go awry.
Common Holiday Decoration Hazards
- Electrical Fires: String lights and extension cords are festive staples, but faulty wiring or overloaded outlets can lead to electrical fires. Most home insurance policies cover fire damage, including holiday-related incidents, helping you repair or rebuild your home if necessary.
- Falling Decorations: Whether it’s a heavy wreath falling off your door or a toppled Christmas tree, accidental damage to your home’s structure is usually covered under standard policies. However, it’s essential to secure decorations properly to minimize risks.
- Outdoor Inflatables and Lighting: Windstorms and vandalism are common culprits when it comes to outdoor decorations. If your inflatable snowman is damaged by a storm or a mischievous passerby, your policy may cover the cost to repair or replace it.
- Injuries on Your Property: Holiday decorations can sometimes cause accidents, like a guest tripping over extension cords or slipping on icy walkways. Liability coverage in your homeowners insurance helps pay for medical expenses or legal costs if someone is injured on your property.
When to Check Your Policy
Before you deck the halls, take a moment to review your home insurance policy. Understanding your coverage limits and exclusions will prevent unwanted surprises if something goes wrong. ABQ Insurance can help you shop for policies that suit your needs, ensuring your holiday season remains joyful and stress-free.
Tips for Staying Safe During the Holidays
- Use UL-listed lights and cords to ensure electrical safety.
- Turn off lights and decorations when you’re not home or before going to bed.
- Anchor outdoor decorations securely to prevent wind damage.
- Keep walkways clear of cords and clutter to reduce tripping hazards.
Trust ABQ Insurance for Comprehensive Coverage
At ABQ Insurance, we take the guesswork out of insurance shopping. Whether you’re a new homeowner or looking to update your policy, we’ll find you the best options for Home Owners Insurance in Albuquerque NM. With our personalized service, you can celebrate the holidays knowing your home and decorations are protected.
For more information or to get a quote, contact us today. Enjoy a safe and happy holiday season with ABQ Insurance by your side!
