Does Your Insurance Cover Holiday Mishaps?

The holidays are a wonderful time of year. With family get-togethers, delicious food, and warm celebrations, homeowner’s insurance is likely the last thing on your mind. Here are three holiday mishaps that occur every year – are you covered?

All the Grease from Your Turkey Goes down the Drain – Grease is abundant in any holiday kitchen, and it can be a hassle to dispose of properly. Pouring it down the drain is so easy! But grease can solidify in pipes, causing them to back up or break.

The Verdict: Most homeowner’s policies do not cover sewer backup damage, but you should be able to purchase this coverage for an additional yearly fee.

You Burn the Turkey … and the House – Home fires and home fire-related accidents increase during the holiday season. There are flammable Christmas trees, holiday lights, and an abundance of cooking, making fires more likely to occur.

The Verdict: While you should always check to make sure, standard homeowner’s policies cover damage due to fire, but make sure that your policy will cover the full cost of replacing your belongings at today’s prices.