average homeowners insurance rates
Is Your Homeowners Insurance Ready for the Holidays?
There’s nothing like the Christmas season to leave us all tearing around like maniacs. It seems like there’s always so much to do and little to no time to do it in! When you’re working on that list of things you have to do before jolly old St. Nick comes to call, don’t forget to adding calling your homeowners insurance agent.
Yes, calling your homeowners insurance agent during the holidays is kind of like inviting the IRS over for Christmas dinner. It’s not fun, and it certainly does (usually) fill you with the joy of the holidays. What it can do, however, is save your Christmas from being completed ruined when your average petty thief comes to call. Or Aunt Edna manages to burn down the kitchen making her famous mincemeat pie. Whichever comes first.
Protecting Your Home from Theft
The holidays bring out the best in people-usually. Of course, it also brings the criminal element crawling out of the woodwork like little roaches ready to wreak havoc in your carefully laid holiday plans. Between the fact that most people spend hundreds or even thousands of dollars on electronics and jewelry at Christmas (sometimes as gifts, sometimes for themselves) and then leave then lying all over the house and the fact that the weeks on either side of Christmas are the most popular of the year to take a family vacation and leave the house empty, the holidays are prime hunting ground for your average B&E man.
Now, your homeowners insurance covers theft, but your homeowners insurance rates are going to go flying up and you just don’t want to do that. Make sure you’ve got a deadbolt on your doors, invest in an electronic security system and try not to advertise when you’re going out of town. The less attractive your home is to potential intruders, the more likely you are to get through the Christmas season intact.
Kitchen Fires
Thanksgiving may be the most popular day of the year for a Christmas fire, but you have to imagine that Christmas isn’t far behind! While trying to break it to Aunt Mabel that she’s not as young as she used to be (and that you can’t microwave the coffee with the spoon still in it!) may or may not keep your kitchen from going up in flames, an ounce of prevention will go a long way towards saving you the trouble of having to find a cure.
You probably went through all this when you bought your home insurance in the first place, but make sure you have working smoke detectors and a fire extinguisher before the holiday season really hits full swing. Keep a close eye on stoves, candles and microwaves, and whatever you do, don’t put real candles on the tree! It only ends badly.
Tis the season to be jolly, not sit around weeping next to the tree. Homeowners insurance companies love the holidays just as much as you do, and you’d all enjoy it more if nobody had to spend their Christmas filling out insurance claims-or trying to convince the insurance inspector that you had a perfectly good reason for sticking the gold star from the tree in the microwave. Honest.
You’ll think of one in just a minute….
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