Hosting holiday celebrations this year? Now is a good time to review your insurance policy.

Hosting Holiday Celebrations? Protect your home from an unexpected loss.  

The holiday season is all about joy, family, and festive gatherings—but if you’re the host this year, it’s also a time to think about potential risks. As we shared on our Facebook page: “Are you hosting the holiday celebrations this year?” Whether you’re a homeowner decking the halls or a renter turning your apartment into a winter wonderland, having the right insurance can turn “what if” worries into peace of mind. In this post, we’ll break down why liability coverage matters during the holidays and how to ensure you’re protected.

Why Liability Coverage is a Must for Holiday Hosts

Holidays often mean more foot traffic, decorations, and even a bit of merry-making that could lead to accidents. Liability coverage, a key part of most homeowners and renters insurance policies, helps protect you financially if someone gets hurt on your property or if you accidentally damage someone else’s belongings. For example:

• Slip and Fall Risks: Icy walkways, spilled eggnog, or crowded living rooms can lead to injuries. Without adequate coverage, you could be on the hook for medical bills or legal fees.
• Property Damage: A guest knocks over your neighbor’s fence during a backyard bonfire, or a pet causes chaos—liability insurance can cover repair costs.
• Larger party or an Event:  You could be looking at hosting a larger event with bands, drinks and catered food, needing specific policy for the event liability exposure.

According to industry experts, claims spike during the holidays due to these very scenarios. Don’t let a festive mishap ruin your season—reviewing your policy now is a smart, proactive step.

Homeowners Insurance: Safeguarding Your Biggest Asset

If you own your home in Alabama, Georgia, or Tennessee, your homeowner insurance likely includes liability coverage as a standard feature. This not only protects against guest injuries but also covers damage to your structure or contents from holiday-related perils like fire from candles or overloaded electrical outlets. Key needs to consider:

• Personal Liability Limits: Aim for at least $300,000 in coverage—enough to handle most claims without dipping into your savings.
• Umbrella Policies: For extra protection, consider an umbrella policy that kicks in when your base coverage maxes out. It’s ideal for hosts with pools, trampolines, or large gatherings.
• Holiday-Specific personal property: If you’re adding valuables like new decorations or high value items gifts like jewelry, photo equipment, or firearms, review and update your policy to reflect increased personal property coverage or scheduled property for high value items.

Homeowners in our service areas (AL, GA, TN) face unique risks, from winter storms in Tennessee to humid holiday weather in Alabama that could lead to water damage. A quick policy review ensures you’re tailored to your locale.

Renters Insurance: Essential Protection for Apartment Dwellers Renters, you’re not off the hook!

While your landlord’s insurance covers the building, it won’t protect your belongings or liability. Renters insurance is affordable and crucial for holiday hosts. It typically includes:

• Liability for Guests: Covers injuries or damage caused in your rented space, like a guest tripping over holiday lights.
• Personal Property Coverage: Reimburses for stolen gifts or damaged items from a party mishap like a fire or water incident.
• Additional Living Expenses: If an incident makes your rental uninhabitable, it can pay for temporary housing.

Many renters overlook this, but in states where rental markets are booming, it’s a game-changer. Plus, bundling with auto insurance can save you money.

Tips for Reviewing and Updating Your Policy Before the Holidays

To make sure your coverage is party-ready:

• Assess Your Limits: Review your policy or call your agent to check if your liability amount matches your lifestyle and your property coverage is sufficient.
• Document Everything: Take photos of your home setup and valuables pre-party for easy claims if needed.
• Add Endorsements or a separate policy if Necessary: For high-value items or special events.
• Shop Around: If your current policy falls short, compare quotes—give us a call or request a quote online, our agency shops rates with multiple carriers for AL, GA, and TN residents.

By addressing these now, you’ll host with confidence, knowing you’re protected.

Ready to Secure Your Holiday Peace of Mind?

Don’t wait for a claim to reveal gaps in your coverage. Whether you’re a homeowner needing a policy refresh or a renter starting fresh, our team is here to help. Contact us today for a free, no-obligation quote or policy review. Call one of our offices or request a quote on our website, we serve clients across Alabama, Georgia, and Tennessee with personalized insurance solutions. Let’s make this holiday season merry and protected!

www.goggansins.com