Holiday Insurance FAQs

Holiday celebrations are full of joyful moments—gathering around a delicious meal with family, watching the big game, or even sneaking in a post-meal nap. It’s a time to cherish our loved ones and enjoy being together. But don't let all the fun distract you from one important fact: the holidays are also the busiest season of the year. While We Insure can’t help with last-minute shopping, we can answer some of the most common insurance questions that come up during this time of year.

Q: I just scored big on Black Friday, but are my holiday gifts covered if a Grinch comes along and steals them?
A: No need to worry if you’ve got a haul of holiday gifts. Homeowners or renters insurance typically covers personal belongings, including gifts, against theft or damage—whether they’re inside your home or in your car. Just make sure to check your policy for deductible amounts and coverage limits, as they may differ from your standard policy.

Q: I’m heading to Grandma’s for the holidays. Will my auto insurance cover a rental car if I crash into a reindeer on the way?
A: Before you hit the road for your holiday trip, check your auto insurance policy to see if it covers rental cars. This way, you can skip purchasing extra insurance at the rental counter. Also, some credit card companies offer rental insurance if you pay for the rental with that card, so it’s worth checking there, too.

Q: I’m ready to throw a holiday party, but am I covered if one of my guests trips over the tinsel and gets hurt?
A: Before you host your holiday bash, review your homeowners or renters liability coverage in case someone gets injured on your property. Be sure to take some basic safety precautions, like securing extension cords and de-icing your steps, to reduce the risk of accidents.

Q: I’m dreaming of a winter wonderland, but what if I wake up to frozen pipes? Will my homeowners insurance help?
A: Always take steps to prevent frozen pipes and other winter-related issues, but if you’ve maintained your pipes and property properly, most homeowners insurance policies cover water damage from a burst pipe. Let your insurance company know if you've installed safety devices or taken precautions to help minimize damage from winter weather—this can support any claims you may need to file.

Q: My dog seems to think he's auditioning for "Pets Got Talent." How can I make sure his stunts don't lead to an expensive vet bill?
A: Whether it’s a new puppy or a seasoned pet, animals often get into trouble during the holidays. Pet insurance can give you peace of mind and protect your wallet if your furry friend eats something toxic, like holiday decorations or turkey bones. Be sure to review your policy’s options, coverage, and deductibles, as pet insurance plans can vary.

Wishing You a Safe and Joyous Season
Whether you’re celebrating Hanukkah with eight nights of presents, gathering gifts around the Christmas tree, or lighting the Kwanzaa Kinara, your local We Insure agent is here to help ensure your holiday celebrations stay merry and bright. Wishing you and your family a joyful holiday season from all of us at We Insure.

Source: Forbes