'Tis the Season to be Insured


‘Tis the Holiday season for family gatherings, cheerful decorations, delicious foods, and a grateful heart. At Morris & Templeton Insurance we understand that there’s no place like home for the holidays, and we want to help ensure that! We are here to make sure you can enjoy the festivities without a worry in the world. 

Although it’s the most wonderful time of the year, it’s also considered one of the riskiest times of the year. The number of home accidents and thefts increase drastically throughout the holiday season; in fact the number of homeowner’s insurance claims usually doubles during the months of November and December.

A Christmas classic, “National Lampoon’s Christmas Vacation”, takes holiday disasters to an extreme. You’ve probably laughed as the mishaps pile up and the Griswold family can’t catch a break. In reality, Christmas catastrophes are all too common and they are no laughing matter. 

One of the main reasons for the spike in claims during the holidays are fires. Christmas trees, candles and cooking large family meals seem to be the culprits for the 15% increase in fire claims during the holidays. Fortunately, standard homeowners insurance policies cover damage due to fires. But this is your time to check in! Look over your insurance policy limits, in the event that you’re forced to rebuild and replace what does your coverage look like? If you’ve made expensive purchases and renovations and not updated your policy recently, now is the time to call Morris & Templeton Insurance. 

Another unfortunate statistic to be made aware of is the nearly 7% increase in burglaries and theft claims during the holiday season. Make sure your gifts are out of sight, your deliveries aren’t left unattended on your doorstep, your doors are locked, and your lights are on to help deter unwanted guests. Also, in our digital first world make sure not to share too many details about your travel plans on social media. Santa isn’t the only one that’s always watching! 

If the unexpected happens, make sure you are covered. Most homeowner’s insurance policies provide coverage for possessions at 50 to 70 percent of the dwelling’s coverage. So, if your home is insured for $500,000, you’ll have $250,000 to $350,000 worth of coverage for your belongings. There are, however, limits on luxury items so this is the time to touch base with your insurance agent. 

At Morris & Templeton Insurance we want to be a part of your most wonderful time of the year! We understand that accidents happen, especially with all the distractions you’ll face this Christmas, but we’re here to make sure you’re covered! Give us a call, we’ll make a list and check it twice… So you can be worry-free throughout the holidays.