Holiday Risks Are Higher Than You Think
The holiday season brings gatherings, travel, decorations, and plenty of joy but it also brings a rise in liability risks. Icy walkways, crowded living rooms, busy roads, and travel mishaps can all lead to unexpected injuries or damages. One incident can turn holiday cheer into financial stress, especially if your insurance coverage hasn’t kept pace with your seasonal activities.
Why Insurance Gaps Matter During the Holidays
Many people assume their existing policies fully protect them, but holiday-related claims often fall into grey areas. A slip-and-fall, guest injury, or winter auto accident could exceed standard policy limits.
Umbrella insurance helps close that gap. It provides an extra layer of liability protection and can prevent a seasonal mishap from becoming a long-term financial burden.
Simple Ways to Reduce Holiday Liability Risks
A few precautionary steps can make your home and travel plans safer:
- Shovel and salt walkways
- Secure railings and check outdoor lighting
- Manage pets during gatherings
- Review safe setup for lights, cords, and décor
- Verify rental car liability coverage when traveling
- Confirm protections for lost items or medical needs while away
These simple habits paired with strong insurance coverage significantly reduce your risk.
Five Quick Policy Review Questions
Before hosting or traveling, ask yourself:
- Do my home and auto policies provide enough liability protection?
- Would an umbrella policy give me affordable extra coverage?
- Does my insurance follow me when I travel—and where might gaps exist?
- Are all drivers in my household fully covered for winter conditions?
- Have I updated Wichert about renovations, new valuables, new drivers, or travel plans?
If any answer gives you pause, you likely need a policy review.
A quick call with Wichert ensures you’re protected heading into the holidays—so you can enjoy the season with confidence and peace of mind. → Call Wichert today to make sure you’re covered before the holidays arrive.