However, it’s also a period when risks to your property and possessions can increase. From theft to accidental damages, the holidays can bring surprises that aren’t always pleasant. 

Now is the perfect time to ask your insurance agent if your current policies have you covered for potential holiday mishaps. At Lindquist Insurance, we want to make sure your celebrations are as worry-free as possible.

The excitement of the holidays often brings with it an uptick in home-related claims. Homes are filled with valuable gifts, expensive decorations, and more visitors than usual, all of which increase your risk exposure. In addition, cold weather brings hazards, such as frozen pipes and ice damage. 

Let’s explore some of the most common scenarios that could put your home or belongings at risk during the holiday season.

Theft of Gifts and Holiday Deliveries. The holidays are the peak season for package theft. With online shopping at an all-time high, "porch pirates" often target homes with visible deliveries left unattended. According to a report by the Baltimore Sun, Maryland residents have seen an increase in package thefts during December in recent years, with thieves capitalizing on the higher volume of deliveries in neighborhoods. So, many Maryland homeowners invest in surveillance cameras or parcel lockers, but these measures don’t always stop determined criminals. If your gifts are stolen from your porch or even from inside your home, are you covered? Your insurance agent can review your homeowners' or renters' insurance policy to ensure you have adequate protection against theft. It’s also important to verify coverage limits, especially if you’ve purchased high-value items such as electronics or jewelry as gifts. You may consider a theft endorsement for your homeowners’ policy. 

Fire Hazards from Holiday Decorations. While holiday lights and candles bring festive cheer, they can also pose serious fire risks. Faulty wiring, dry Christmas trees, and unattended candles are some of the leading causes of home fires during this season. If a fire were to occur, would your insurance provide enough coverage to rebuild and replace your belongings? Your insurance agent can help you assess whether your dwelling and personal property coverage are sufficient for your needs. ***

Accidents Involving Guests. Holiday gatherings are a wonderful way to celebrate with friends and family, but hosting can bring its liabilities. If a guest slips on your icy walkway or is injured during a holiday party, you could be held liable for medical costs and even face a lawsuit. Liability coverage, included in most homeowners' insurance policies, can protect you in these scenarios. Be sure to confirm the limits with your insurance agent.

With all the potential risks of the season, it’s crucial to review your policies with a trusted insurance agent to ensure you’re adequately protected. Here are three key questions to ask during your review:

Do I Have Enough Personal Property Coverage? Personal property coverage protects the items inside your home. During the holidays, when you may have gifts, decorations, or seasonal items in use, it’s important to ensure your policy limits are high enough to cover a potential loss.

Am I Covered for High-Value Gifts? Items like luxury watches, expensive electronics, or engagement rings may require additional coverage beyond the limits of a standard policy. Your insurance agent can help you add specific riders or endorsements to protect these valuable items.

Is My Liability Coverage Adequate? Liability claims during the holidays can range from a slip-and-fall accident to a guest being injured at your home. Your insurance agent can ensure you have sufficient coverage to protect your financial security in these situations.

For example, you’ve purchased several high-value gifts for your family, including a new gaming console and a designer handbag. These gifts are stored under the tree when a burglar breaks into your home and steals everything. Without sufficient personal property coverage, you may only be reimbursed up to the limits of your policy, which might not fully cover the loss. By reviewing your coverage ahead of time with your insurance agent, you can avoid unpleasant surprises.

Similarly, imagine hosting a holiday party where a guest slips on an icy patch outside your home. If they require medical attention and decide to sue, liability coverage can help cover the costs. However, inadequate coverage could leave you paying out-of-pocket. These scenarios underscore the importance of ensuring your policies are up-to-date and sufficient for your needs.

Before the holidays are in full swing, here’s a quick checklist to discuss with your insurance agent:

Review and update your homeowners' or renters' insurance policy.

Confirm coverage for theft, fire, and water damage.

Add riders for high-value gifts if needed.

Increase liability coverage if hosting events.

Discuss coverage for temporary living expenses in case of a major loss.

Taking these steps now can save you time, money, and stress later.

Don’t let unexpected events ruin your holiday season. Take a proactive approach by consulting with Lindquist Insurance. Our experienced agents can help you review your policies, identify any gaps, and ensure you’re fully covered for the season’s unique risks.

Whether you’re concerned about package theft, fire hazards, or liability issues, we’re here to provide personalized solutions tailored to your needs. Contact Lindquist Insurance at (301) 694-0008 to speak to our experienced and licensed insurance agents for a consultation and quote or to schedule a free consultation. Together, we can help you protect what matters most and enjoy a worry-free holiday season.

Make this holiday season one to remember—for all the right reasons!

We serve the Annapolis, MD, and Frederick, MD areas. 

*** For more information on home fire safety during the holidays, visit the FEMA website.