Holiday Home Hazards

Injury

According to the U.S. Consumer Product Safety Commission, about 160 decorating-related injuries happen each day during the holidays, with almost half involving falls.

Safety tips: When placing decorations, use the right ladder for the job, maintain a firm grip and face the ladder when climbing up or down. Before hosting guests, be sure the path to your home is clear of ice, electrical cords and decorations that may cause someone to fall.

If you need it: Your homeowners insurance policy’s medical expense coverage will pay for injured guests, and personal liability coverage will help protect you if they decide to sue.

Fire Safety

The National Fire Protection Association reports that between 2015 and 2019, U.S. fire departments responded to an average of 160 home fires each year that started with Christmas trees.

Safety tips: For fire safety, test your smoke detectors and keep your tree adequately watered. (If a gentle tug on a branch yields a handful of needles, the tree is too dry.) Using an artificial tree? Make sure it’s fire rated.

If you need it: Homeowners insurance may cover damage from fire in and around your home. The three types of coverage that come into play are dwelling coverage for damage to the home, other structures coverage for damage to a detached garage or shed, and personal property coverage for damage to belongings, up to policy limits.

Theft 

According to the Bureau of Justice Statistics’ National Crime Victimization Survey, robberies increase by roughly 20% in December. This number pertains to the theft of physical items, not to identity theft.

Safety tips: Close and lock all windows and doors when you park your vehicle. Place valuables out of sight. Don’t leave your keys in the vehicle, and don’t leave the area while your vehicle is running. If packages will be delivered to your house while you’re away, consider setting up a security camera system to keep an eye on things.

If you need it: Personal property coverage can reimburse you for the cost of stolen property, but you should only file a claim if the value of your loss exceeds your deductible.

Avoid These Common Holiday Accidents

It’s the social season, so don’t spoil the party with a trip to the emergency room. UCLA Health published a list of common holiday-related injuries and accidents along with some tips for avoiding trouble. Here’s a summary: 

This information is being provided for general informational purposes only. The Auto Club Group does not assume any liability in connection with providing this information.

Coverage is subject to all policy terms, conditions, exclusions and limitations. Subject to underwriting eligibility requirements. Insurance underwritten by one of the following companies: Auto Club Insurance Association, MemberSelect Insurance Company, Auto Club Group Insurance Company, Auto Club Property-Casualty Insurance Company, Auto Club South Insurance Company, Auto Club Insurance Company of Florida, The Members Insurance Company, Universal Insurance Company, CSAA Insurance Group, a AAA Insurer or non-affiliated companies.