Page 14 - Hawaii Renovation - Oct 30, 2022

14 HAWAII RENOVATION OCTOBER 30, 2022 HOW TO ENSURE
HOLIDAY CHEER THIS YEAR
‘Tis the season to get wrapped up in preparation for gather- ings and festivities. However, ensuring the safety of your home, guests and personal finances should be a priority. Fire, water damage and burglary claims often spike around this time of year, ac-
“Holiday gatherings appear to be back to pre-pandemic levels and hosts should be thinking about what all of this foot traffic means for their home,” says Bon- nie Lee, Mercury Insurance vice president of property claims. “Homeowners should not only be vigilant about areas around the home that may need a tune up for the holidays, but also be aware of what their policies will cover.”
If you have plans to purchase expensive gifts or entertain guests over the holidays, review your homeowners insurance policy
to understand how you may be covered.
THEFT
The holiday haze can interfere with awareness of potential risks. Break-ins and thefts increase this time of year since thieves know many families might be dis- tracted with the busyness of festivities, or traveling and leaving their homes un- attended. Homeowners can significantly reduce their risk by installing surveillance cameras, video doorbells, alarms, dead- bolts and other types of home security. Some insurers may offer policies with a theft protective device discount.
“If you recently purchased an expensive gift, be sure that your insurance policy ex- tends to cover such presents,” Lee says. “Homeowners policies often cover theft, so you’ll be able to file a claim with your insurance company should something hap- pen, but it’s always a good idea to check
your insurance policy to see how your per- sonal property is covered, especially when it comes to high-end gifts.”
FIRES
Fires can be caused by a number of fac- tors during the holidays, from cooking mishaps to open flames, like candles, left unattended. Fire insurance is typically in- cluded in your policy and protects the con- tents and the surrounding property, helping with the cost of replacing or repairing your home in the event of a fire.
Most lights, ornaments and other deco- rations are insured for damage from fire, vandalism or theft, but not against normal wear and tear. Make sure any cords or lights you are using for outdoor displays are made for outdoor use. Never overload extension cords or outlets and check all wires, cords and lights for any tears or damage before plugging them in.
SEWAGE BACKUP
cording to Mercury Insurance.
Sewage backups can quickly become a big mess. For example, a rainstorm could overwhelm a city sewer system making the water flow in reverse from the city sewer line to the homeowner’s sewer line and eventually into the home. Many carri- ers, including Mercury, offer an endorse- ment to homeowners insurance policies for this type of coverage.
“You can ease anxieties about what you may be held responsible for by re- viewing what is covered by your home- owners policy with your agent before disaster strikes,” says Lee. “Notify your agent if you have made any significant changes to make sure your home is prop- erly protected.”
This article is courtesy of Brandpoint.
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