{"id":4724,"date":"2021-12-04T00:52:06","date_gmt":"2021-12-04T00:52:06","guid":{"rendered":"https:\/\/orekodo.net\/?p=4724"},"modified":"2021-12-04T00:52:06","modified_gmt":"2021-12-04T00:52:06","slug":"wrapping-up-insurance-for-holiday-disasters","status":"publish","type":"post","link":"https:\/\/orekodo.net\/wrapping-up-insurance-for-holiday-disasters\/","title":{"rendered":"Wrapping Up Insurance For Holiday Disasters"},"content":{"rendered":"
The holidays always come with a lot of joy and merry-making; however, you have to be aware that it also comes with its potential disasters.<\/p>\n
If you know what to watch out for, you can reduce the chance of encountering such disasters.
\nLet\u2019s look at a few things to watch out for below:<\/p>\n
According to the National Insurance Crime Bureau, New Year\u2019s Day is the number 1 holiday for car theft in the U.S.<\/p>\n
It appears that car thieves don\u2019t take time off during the holidays. New Year\u2019s Eve is the fourth most popular day for car theft.<\/p>\n
There is always a decline in car theft on Christmas though, it appears some of these perpetrators take some time off during Christmas.<\/p>\n
The National Fire Protection Association (NFPA) has indicated that Xmas tree fires are not common but they can be very deadly.<\/p>\n
A homeowners insurance cover can ensure fire around and in your home which includes the Christmas Tree fire as well.<\/p>\n
The U.S. firefighters responded to about 160 home fires started with Christmas trees between the years 2014 and 2018.<\/p>\n
They led to an average of $10 million worth of property damage, 2 deaths, and 14 injuries.<\/p>\n
There are two simple ways to keep your home free from the dangers of fire during the holidays; that is to make sure your smoke alarms are working properly and also to put up only fire-rated artificial Christmas trees.<\/p>\n
Below are some recommendations from the NFPA:<\/p>\n
There is a lot of kitchens during the holidays, and your homeowner’s insurance would definitely cover you on that.<\/p>\n
According to a 2020 NFPA report, Christmas Day and Christmas Eve are among the top five days on which home cooking fires occur.<\/p>\n
The U.S. fire department received 740 home cooking fire reports on Christmas day in 2020 and about 650 on Christmas Eve. The daily average for the home cooking fire was 470 in the year 2018.<\/p>\n
Between the years 2014 and 2018, these home fires have led to an average of 4,820 injuries, 550 deaths per year, and $1.2 billion in property damage according to the NFPA.<\/p>\n
Here are a few tips from the NFPA to keep you safe:<\/p>\n
Your homeowner’s insurance always includes coverage for injuries to guests. If the injury is a small one, they would pay very quickly. The medical limits are as low as $1000.<\/p>\n
For injuries that are severe, they provide $100,000 in personal liability coverage. The liability coverage also pays your legal fees when you are sued by a guest.<\/p>\n
You can be sued as a social host when a drunk guest of yours goes off drunk and harms someone.
\nSome insurance policies cover liquor liability while others don\u2019t.<\/p>\n
Find out from your insurance company if your policy would cover you for liquor liability, if not, you can add a host liquor endorsement to make sure you have coverage.<\/p>\n
Below are a few tips to keep your home safe during the holidays:<\/p>\n
The Insurance Information Institute offers these guidelines as well:<\/p>\n
Serve a lot of non-alcoholic beverages to reduce the chance of a guest becoming drunk.<\/p>\n
If possible, arrange a taxi for them or invite a drunk guest to spend the night at your home. You could also designate a sober driver for them.<\/p>\n","protected":false},"excerpt":{"rendered":"
The holidays always come with a lot of joy and merry-making; however, you have to be aware that it also comes with its potential disasters. If you know what to watch out for, you can reduce the chance of encountering such disasters. Let\u2019s look at a few things to watch out for below: Car Thieves: […] More<\/a><\/p>\n","protected":false},"author":2,"featured_media":4725,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":""},"categories":[2],"tags":[],"reaction":[],"adace-sponsor":[],"jetpack_featured_media_url":"https:\/\/orekodo.net\/wp-content\/uploads\/2021\/12\/common-holiday-disasters-scaled.jpeg","wps_subtitle":"","_links":{"self":[{"href":"https:\/\/orekodo.net\/wp-json\/wp\/v2\/posts\/4724"}],"collection":[{"href":"https:\/\/orekodo.net\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/orekodo.net\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/orekodo.net\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/orekodo.net\/wp-json\/wp\/v2\/comments?post=4724"}],"version-history":[{"count":0,"href":"https:\/\/orekodo.net\/wp-json\/wp\/v2\/posts\/4724\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/orekodo.net\/wp-json\/wp\/v2\/media\/4725"}],"wp:attachment":[{"href":"https:\/\/orekodo.net\/wp-json\/wp\/v2\/media?parent=4724"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/orekodo.net\/wp-json\/wp\/v2\/categories?post=4724"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/orekodo.net\/wp-json\/wp\/v2\/tags?post=4724"},{"taxonomy":"reaction","embeddable":true,"href":"https:\/\/orekodo.net\/wp-json\/wp\/v2\/reaction?post=4724"},{"taxonomy":"adace-sponsor","embeddable":true,"href":"https:\/\/orekodo.net\/wp-json\/wp\/v2\/adace-sponsor?post=4724"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}