The holidays are both a wonderful and stressful time of year
for many people. While the spirit of the holiday makes for good fun and cheer, the
increases in traffic, theft and even identity fraud can be a burden to us all.
Ensuring that your Florida insurance is adequate for covering you in the event
of some holiday accident or theft is very important.
Outdoor Lights
Though it occurs rarely, faulty wiring on your outdoor
holiday lights can cause a fire. This is a tragic event during the holidays and
one that hopefully never occurs, but you should still be prepared if it does.
Experts state that as long as you have fire coverage in your homeowner’s
insurance policy, a fire that is caused by faulty wiring in your outdoor lights
will be covered.
Stolen Gifts
Believe it or not, there are thieves out there who wait for
the opportune time to slip into your home and steal the gifts right out from
under your tree. Though it is sad and discouraging, your insurance company is
there for you. Holiday gifts or no, this is still a theft that has occurred in
your home. Make sure that you have receipts on hand for your purchases so that
you can prove which items were stolen.
Auto Accidents
Outdoor holiday decorations are certainly beautiful and many
people make it a point to drive around admiring them each year. Of course, with
all of the increased traffic on the roadways, the chances that an accident may
occur go up significantly. With this being said, if you’re out and about
looking at the lights and you accidentally rear-end the car in front of you,
this should be covered by your automobile insurance.
Woe is Wii
The Wii is one of the most popular video game consoles among
children today, but because it requires physical activity while holding a
moderately heavy controller, accidents can and do happen. If your little one
accidentally lets go of the controller and it smashes through your HD
television screen, don’t fret. Chances are that this may be covered by your
homeowner’s insurance. Of course, if the deductible for the year has not been
met, take the time to consider the amount of your deductible and the value of
the television. Sometimes, a claim isn’t the best idea.
Windy Mishaps
Let’s face it: the wind in Florida can be fierce at times.
As such, a storm or strong gust of wind has the potential to knock over your
large outdoor decorations and fling them in multiple directions. If your
automobile is damaged by flying decorations, this should be covered under your
auto insurance policy. However, if your six-foot Santa crashes into the
neighbor’s car, you’ll likely need to file a homeowner’s insurance claim,
instead.
While the odds of some of these things happening may be
quite low, they can and do happen to plenty of Americans each and every holiday
season. Take the time to make sure that your insurance policy has you covered
and you’ll be able to better enjoy the holiday season.
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