When Guests Come Home for the Holidays — Make Sure Your Insurance Is Ready Too
The holidays are a time for family, friends, and cozy gatherings. Your home becomes the hub of laughter, warmth, and shared memories. But with more people in your space, it’s important to make sure your home and insurance are ready for anything.
1. Review Your Homeowners or Rental Coverage
Before guests arrive, take a few minutes to check your policy. Make sure it covers:
Accidental guest injuries inside your home, how much coverage do you have?
Property damage caused by visitors
Short-term rental considerations (if applicable)
What if there is a fire and your guests have property inside the house? Is their property covered?
Even small gaps in coverage can create stress during the busiest season of the year.
2. Prepare Your Space for Safety
Little precautions make a big difference. Check that:
Smoke and carbon monoxide detectors are working
Stairs, hallways, and walkways are clear
Rugs and cords are secured to prevent trips
Pets have safe areas away from high traffic
Safety first ensures your holidays stay joyful.
3. Protect Against Property Damage
More people in your home means more wear-and-tear. Consider:
Securing breakables and valuables
Keeping decorations away from high-traffic areas
Monitoring kitchens, fireplaces, and heating systems
These simple steps help prevent accidents that could turn into costly claims.
4. Keep Records Handy
Having updated inventories of your home’s contents can make claims easier if something happens.
Take photos of valuable items
List electronics, furniture, and special décor
Keep receipts if possible
A little organization now saves big headaches later.
5. Enjoy Peace of Mind
With these precautions, you can focus on what truly matters—laughing around the dinner table, sharing stories, and making memories. Your insurance is there to help if something unexpected happens, and your preparation keeps your home safe, warm, and ready for every visitor.
Your home is the heart of the holidays. With a few gentle steps, you can protect it, your guests, and your memories—so you can enjoy every cozy, joyful moment. 💛🏡✨
Talk to RISE: 📞 423-541-1111
