The holidays are a time for lots of great things, but we all know all too well they can also bring stress. If you’re the head gift giver for your family or the party host this holiday season there can be a lot of pressure. As party host, unfortunately the holidays can also bring accidents at your home. Whether it’s a kitchen fire caused by too many cooks, a slip and fall caused by an icey driveway, or other similar incidents, make sure you’re prepared. What would your homeowners insurance cover? Call your agent and ask about your liability limits on your home insurance.
Your insurance agent may suggest taking out an umbrella insurance policy as well. While you can’t get one just for the holidays, it’s great to have that extra bit of added coverage for you and your family all year round! Liability issues are everywhere and the holiday season is stressful enough, with umbrella insurance you have one less thing to worry about. While your typical liability coverage on your home or auto insurance will provide you with some bodily injury and property damage to others, umbrella insurance will add to those and give you extra coverage. Umbrella insurance kicks in when there just isn’t enough liability coverage on your other policies. Have questions about your insurance now or anytime throughout the year? The best way to get the answers for your specific policy is always to ask your agent!