The holiday season is filled with family, food, and fun. If you’re hosting a get-together this year for Thanksgiving or another upcoming holiday, be aware of potential threats that can make your day less than enjoyable. Luckily with the right insurance policies, you can lessen your financial burden and overall stress of the event.
Deep-Fried Turkey Goes Wrong
It may be tempting to try out that new Pinterest recipe you found for a deep-fried turkey but all that oil and open flames could result in a house fire. Deep fryer fires cause $15 million in property damage every year, according to the National Fire Protection Association. Keep a fire extinguisher on hand and ensure that your homeowners insurance or renters insurance is active in case your Thanksgiving dinner goes up in flames. Your property insurance will cover damage to your belongings while your general liability insurance covers damage to other people’s property.
Uncle Eddy Takes Fall Literally
You’re having all of your family over and Uncle Eddy is among the bunch. He enjoys leaning back in his chair after the end of a meal – “to let the food digest” he says; even though you’ve warned him every year about that rickety chair and its potential for disaster. This year he leans just a bit too far and the chair tips over, sending Uncle Eddy head first into the hardwood floor. The general liability coverage on your homeowners or renters insurance policy can cover his medical bills and depending on how expensive that chair was, your property coverage can pay for a new chair as well.
Even if you are not hosting your own Thanksgiving or holiday event, watch out for potential mishaps as you leave your home. Avoid running the dishwasher before you leave in case water backs up and causes flooding. Also unplug any unnecessary appliances and keep the heater on if temperatures are forecasted to drop below freezing. The holiday season should be a time to enjoy good food and loved ones’ company. Call Above and Beyond Insurance Agency at 415-453-6329 to secure coverage now so you are better prepared for this joyous time of year.