For those of us who love family get-togethers, parties and events, this is a favorite time of year. Get started on your planning early so you have a safe and special holiday. At Severson Insurance Agency, Inc., we have gathered together some great planning tips that will help you make your holiday fun and safe.
Making your home festive is a lot of fun, but there are some dangers to avoid. Make sure you buy the correct types of lights for your tree, rated for indoor or outdoor use. Always purchase your lights from a trusted source, and ensure they are approved by UL (Underwriters Laboratories). When stringing cords, never place them in high traffic areas that could lead to someone tripping.
Candles are beautiful – but dangerous. Real candles can easily set a home on fire if knocked over. Buy candles with batteries. They flicker, and look real but don’t pose a risk of fire. Your scented candles don’t have to be lit to put out fragrance – don’t light them.
If you use a ladder to put up decorations, be aware that this is how many people are injured every year. Read up on ladder safety before you start, and never allow more than one person on a ladder at a time. Keep children at a distance.
Holiday Party Food
Follow all rules for keeping food fresh for a holiday party. Always wash your hands thoroughly, as well as utensils and counter areas that have come into contact with meats, poultry, eggs or fish. Store your food properly and at the right temperature to avoid bacterial contamination.
Buy the freshest tree you can find and keep it watered. Dry needles are super-flammable. Never place a tree near any area where there is open flame, including the fireplace. Get your fire extinguishers recharged in preparation for the holiday. Hopefully you never need to use them!
The holiday season often includes consuming alcoholic drinks. Always advise your guests about alternative ways to get home after drinking, whether via a taxi or a designated driver, and never let a guest drive who is obviously intoxicated. You could be held liable in some cases if an accident occurs.
Your Home Insurance or Renters Insurance
One thing you may not have considered is your home insurance or renters insurance. When planning for the holidays, make sure you are covered for any eventuality. If something goes wrong – and we hope it doesn’t – you are covered. Home insurance programs cover various types of disasters, but you should find out what is covered and what isn’t prior to the holiday season. Generally, you are covered against damage from fire, weather damage, theft and vandalism. You are also covered should someone get injured while on your property or in your home, as well as the cost of your defense when necessary.
At Severson Insurance Agency, Inc., your local insurance agency, we are here to help you have a safe and happy holiday season. Our entire team of agents lives and works in the Ames area, and we are always available to help. We are prepared to help you sort out any insurance issues prior to the holiday season. Are you preparing for a wonderful holiday? Let us help. Call to speak with one of our friendly agents. As we are local, we are able to meet you at a convenient time for you, including after work or on the weekends. Let’s get in touch!