When Holiday Mishaps Strike: A Seasonal Insurance Guide

The holidays are all about joy, but let’s face it—things don’t always go as smoothly as planned. From wayward decorations to accidental mishaps, the season can bring its share of surprises. But don’t worry—Schaub Insurance Agency has you covered, offering peace of mind and a bit of humor to alleviate stress during this busy time of year. Here are a few common holiday situations and how your coverage can protect what matters most.

1. My rooftop Santa decoration just landed on the neighbor’s car (sleigh and all!). What now?

Santa Ana winds, slippery rooftops, or a poorly secured inflatable—whatever the reason, a wandering decoration can cause real damage. The good news? Your homeowners' insurance may cover the cost of damage to your neighbor’s property. Just make sure to anchor those reindeer next time!

2. What if I hit another car in a crowded parking lot?

Holiday shopping can be a full-contact sport, especially in packed parking lots. If you accidentally bump another car, your auto insurance’s liability coverage can save the day. Bonus points if you leave a note and channel your best holiday spirit.

3. My Christmas tree dried out and caught fire—am I covered?

A dry Christmas tree can turn your holidays into a not-so-merry situation if it catches fire. Thankfully, most homeowners’ insurance policies cover fire damage caused by holiday mishaps. To avoid this, water your tree regularly and keep it away from heat sources. Because nothing says “Bah Humbug” like a preventable blaze!

4. Someone tripped over my porch decor—amI covered?

If a neighbor delivering cookies or an enthusiastic caroler trips over your festive decorations and gets hurt, your homeowners’ liability insurance can help with medical expenses. To keep your holiday spirit intact, make sure decorations are secured and walkways are clear. After all, one of the best ways to spread holiday cheer is by preventing “fa-la-la-falls!”

Final Thoughts:

The holidays are about celebration, not mishaps. With a little preparation, you can enjoy the season knowing your insurance has you covered.

From all of us at Schaub Insurance Agency, we wish you a holiday season filled with joy, laughter, and peace of mind. May your celebrations be merry, your mishaps be few, and your coverage always be just right. Happy holidays and stay safe!