Long Island Insurance Company Tells You How To Protect Your Home During The Holidays.

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We all love classic holiday comedies in which characters tumble down staircases, battle wildlife intruders and fight tooth and nail against burglars. But in the real world, holiday disasters can damage property and hurt people.

What types of holiday incidents are covered under home insurance?

Your current Homeowners Insurance insurance policy may already cover many potential holiday mishaps. Most standard homeowners policies include:

Dwelling coverage: This protects your home’s primary living space and attached structures, such as garages and carports. Typically, home policies cover damages caused by explosions, fire, lightning, sleet or snow, theft and vandalism.

Personal property: This covers your home’s contents, including appliances, clothing, electronics and furniture.

Personal liability: A coverage that applies to incidents in which the homeowner is at fault for injuries or property damage, including bodily injuries or property damage sustained by someone outside your household while on your property or damages or injuries caused by your child or pet.

Additional living expenses: This coverage helps pay your living expenses if a covered calamity such as a fire requires you to temporarily move to another house or apartment.

Medical payments: Unlike personal liability insurance, this coverage pays the immediate medical expenses of an injured guest, regardless of who is at fault.

How can I protect my home during the holidays?

Purchasing enough insurance may set your mind at ease, but taking certain precautions can help prevent disasters and holiday-related claims. Holiday activities such as decorating, preparing meals—and this year, having guests over—come with risks, but there are steps you can take to prevent issues.

The holidays and COVID-19

The U.S. Center for Disease Control and Prevention recommends assessing your community’s COVID-19 levels and following safety guidelines when planning how to celebrate:

• Indoor gatherings increase the risk of spreading infection, but you can open windows and doors to improve ventilation.

• Consider celebrating in smaller groups for shorter periods of time.

• Remember to wash hands frequently.

• Social distance as much as possible.

• Wear masks when in close contact with people outside of your immediate household.

Bottom line

Most Homeowners Insurance policies don’t need to be beefed up during the holiday season. If you plan to decorate your home with lavish ornaments, entertain guests or purchase expensive gifts for your loved ones, you might need to review your liability or personal property coverage with your insurance agent.

As the holiday season draws near, the most important priority is to keep your family and home safe. By following a few simple safety guidelines, you can rest assured that your holiday plans won’t turn into a movie-worthy disaster.

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About Nationwide Insurance

Nationwide, a Fortune 100 company based in Columbus, Ohio, is one of the largest and strongest diversified insurance and financial services organizations in the United States. Nationwide is rated A+ by both A.M. Best and Standard & Poor’s. An industry leader in driving customer-focused innovation, Nationwide provides a full range of insurance and financial services products including auto, business, homeowners, farm and life insurance; public and private sector retirement plans, annuities and mutual funds; excess & surplus, specialty and surety; pet, motorcycle and boat insurance.