The holiday season is a time for festive decorations, twinkling lights, and creating memories with loved ones. For homeowners in Lancaster, OH, decking the halls is a cherished tradition. However, holiday decorations can sometimes lead to unexpected risks, making it important to understand how your home insurance policy can help protect you during this time of year.
Fire Hazards from Holiday Lights and Candles
One of the most common risks during the holidays is fire caused by decorations. Overloaded electrical outlets, faulty string lights, or unattended candles can quickly turn a festive evening into a disaster. If a fire damages your home, your home insurance policy can help cover repair costs and even replace belongings lost in the incident. Hammer Insurance works with Lancaster homeowners to ensure their policies provide adequate protection for these situations.
Liability Risks from Outdoor Displays
Outdoor decorations, such as inflatable displays or elaborate light setups, can pose risks to visitors and passersby. For example, a guest might trip over extension cords or decorations placed on walkways. Liability coverage in your home insurance policy can help cover medical expenses or legal fees if someone is injured on your property.
Tips for Safe Holiday Decorating
- Inspect all electrical decorations for frayed wires or damage before use.
- Keep candles away from flammable materials and never leave them unattended.
- Secure outdoor decorations to prevent them from falling or causing accidents.
- Use surge protectors to avoid overloading electrical outlets.
Review Your Policy with Hammer Insurance
Holiday decorations bring joy to the season, but they can also introduce risks to your home and guests. By reviewing your home insurance policy, you can ensure you’re prepared for any unexpected incidents. Contact Hammer Insurance today to learn more about how we can help Lancaster homeowners stay protected during the holidays.
