Homeowners Insurance Tips for Protecting Your Home While Hosting Overnight Holiday Guests

Welcoming friends, family and guests into your home for holiday festivities can be one of the best parts of this wonderful time of year. Still, homes are constantly prone to various risks and exposures that could cause significant damage and subsequent financial losses. These concerns may be amplified greatly when additional people are visiting, especially overnight or for extended periods. At ABC Insurance Services, we’re ready with guidance to ensure you’re prepared for these situations with the right homeowners insurance policy.

How to Avoid Incidents and Homeowners Insurance Claims While Hosting

Your homeowners insurance can typically cast a versatile and robust financial shield against incidents involving your home and personal liabilities. However, coverage may be tailored to account for the risk levels present when considering only your home’s usual occupants. Consider how the following incidents may become more likely while hosting guests:

• Structure fires—The holidays already bear many fire-related risks, including bustling meal preparation, candles and fireplaces. As more people crowd into your home, it may be more difficult to notice potential risks. Make sure adults are present in any area with heat sources, turn off all cooking appliances while unattended and make sure all flames are extinguished before vacating the home or going to bed.
• Liabilities—While hosting, you may take on responsibility for your guests’ health and wellness. If someone is injured or becomes ill while visiting, you could potentially be held responsible for resulting medical costs and financial consequences. Be sure to reduce clutter and avoid wet surfaces to limit the risk of guests tripping or slipping. Prepare food carefully to reduce chances of contamination and subsequent illness.
• Damaged belongings—Having guests in your home may put your belongings at risk. Children, intoxicated adults, pets and other people unfamiliar with the premises may not be aware of fragile or valuable contents. Consider storing precious items in safe areas, such as closets or basements, as certain valuables may exceed the coverage limits of standard homeowners insurance.

Despite your best efforts, incidents may still occur, making suitable homeowners insurance a necessity. Fortunately, most standard policies include coverage for fires, accidental damage to belongings and liabilities, although you should check with your agent to ensure you have adequate coverage limits.

We’re Here to Help

Contact ABC Insurance Services in Dalton, GA, today to learn more about the right coverage for your home this holiday season.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.