Shopping, baking, traveling and time with family are high on the to-do list this holiday season. Reviewing our insurance policies probably didn't make the high cut, but maybe it should. Consider the following to ensure you're covered in the case of a holiday calamity.
1. Did you purchase any electronics for gifts?
Televisions, smartphones, tablets, laptops, gaming systems and cameras are fun to give (and receive).
Are these new purchases covered under your current homeowners or renters policy in the case of a fire or break-in? What about electronics taken back to school with your college student?
2. Do you have a well-stocked refrigerator or deep freeze?
We know December in southeast Indiana can be sunny and 50 degrees one day and bring a severe ice storm and power outage the next. How much would it cost to replace all the items in your fridge and freezer? Could you afford to replace it all at once? Is food loss is covered under your homeowners or renters policy?
3. Are you be traveling by car this holiday season?
Are you driving over the river and through the woods or to Florida for a Disney Christmas vacation? Regardless the distance, it's important to know what your auto policy covers. Deer, ice and distracted drivers can put a damper on the day. Finding out you don't have the coverage you thought following an accident can be devastating.
Now is the perfect time to touch base with your agent and ensure you have proper coverage for peace of mind this holiday season.
Wishing you a safe, happy and accident free holiday season!