5 Ways to Happy Holidays

5 Ways to Happy Holidays

Family, friends and festivities should be the focus of the holiday season, but don’t let this joyous time be marred by fire, theft, accidents and other disasters, advises the Insurance Information Institute (I.I.I.). Taking a few simple steps, and having the right insurance coverage can reduce these seasonal hazards. Start with these 5 safety tips and click through the links for more detail on each topic.

Be Fire Safe
1. BE FIRE SAFE
Protect Your Identity
2. PROTECT YOUR IDENTITY
  • Whether shopping online or in a brick-and-mortar store, the hustle and bustle of the holidays creates the perfect opportunity for thieves bent on stealing your credit card information.
  • To protect yourself, shop at reputable stores and check your credit card statements regularly, and if you find anything unusual, report it to your credit card company immediately. If your wallet is either lost or stolen, contact the police and your credit card company as soon as you can.
  • Many standard homeowners insurance policies now include identity theft coverage. Moreover, most homeowners and renters policies provide some coverage for stolen cash or unauthorized use of your credit card.
Burglar-Proof Your Home
3. BURGLAR-PROOF YOUR HOME
    • December is the fifth most common month in which burglaries occur, according to the FBI.
    • If you’re traveling over the holidays, have mail and packages picked up or held by the post office, use automatic timers to turn lights on and off and have a dependable neighbor check on the house periodically
    • Consider making your home more secure with dead-bolt locks, window grates and smoke/fire/burglar alarms. An added benefit: most insurers provide discounts for devices that make a home safer.
    • Personal possessions are covered under standard homeowners and renters insurance policies—even holiday gifts stored in your car!
DRIVE SAFELY
4. DRIVE SAFELY
Be a responsible party host
5. BE A RESPONSIBLE PARTY HOST
  • Throwing a holiday bash? Party hosts who serve alcohol at their gatherings can be held liable for injuries to a third party caused by a drunken guest
  • Protect yourself—and your guests—by promoting safe alcohol consumption and having the proper insurance coverage.
    • Encourage guests to pick a designated driver.
    • Offer non-alcoholic beverages and serve food
    • Stop serving liquor toward the end of the party
    • If guests drink too much or seem too tired to drive home, call a cab, arrange a ride with a sober guest or have them sleep at your home.
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