‘Tis the season … to think of your insurance

December 6, 2022

The end of the year can be full of hustle and bustle, that it can be easy to forget about the insurance implications that come around this time of year. Don’t forget to talk to your professional insurance agent about your insurance coverage needs on the following topics:

Coverage for gifts

Many homeowners insurance policies limit the amount of coverage or insurance they provide for personal computers, silverware, stamp or coin collections, fine art and jewelry. So, if you have any of these as gifts, your homeowners policy may not cover them in their entirety. There may be limitations on the types of loss or damage that are covered, such as breakage or flood. See more answers to gift-related questions here.

Fire safety

On average, more than one-third of home fire deaths in the U.S. occur during the winter months.

Holiday celebrations mean more entertaining, and more cooking, which can increase your risk of fire. Keep your family safe this holiday season with these tips:

  • Use care when burning candles. Place them in sturdy holders, kept well away from draperies and decorations and out of the reach of children or pets. Extinguish candles before you leave the house or go to sleep.
  • Never use candles to decorate your holiday tree.
  • Don’t leave the stove unattended while you’re cooking—it’s the leading cause of fire in the U.S.
  • If you choose to have a holiday tree, place it well away from heat sources. Water fresh trees every day.
  • If using an artificial tree, make sure it’s flame retardant.
  • Replace any lights with frayed or damaged cords. Always unplug all lights before leaving home or going to sleep.
  • Don’t overload electrical outlets.
  • Refrain from running electric wires or cords underneath rugs.

Safety while driving

It is estimated that approximately four million innocent people are injured or have their vehicles damaged in alcohol-related accidents each year.

To protect yourself, always wear your seat belt, and make sure children are secured in child safety seats in the back seat. Be aware of the warning signs of drunk drivers.

Berkshire Hathaway Guard Insurance Companies protecting your business and employees with their Workers' Compensation.

About the author…

Shirley Albright, CPIA, CISR

Shirley Albright, CPIA, CISR, joined PIA in 1983 and has worked in many facets of the association over the years. In 1995, she was an integral part of establishing the Industry Resource Center to include the development of the software system to record and track all incoming and outgoing inquiries. She quickly moved from industry resource representative to assistant director and eventually to her current position as director. Currently, Shirley oversees the daily operations of the Industry Resource Center to include the triage of thousands of incoming member inquiries. Her other accomplishments include obtaining her New York state property/casualty broker’s license, CPIA and CISR designations.

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