Stay Protected This Holiday Season

Tis The Season… For Problems

As we approach the holiday season, we thought it might be good to provide you with a few insurance tips on how to protect yourself and your family during this season. The holiday season usually sees an increase in homeowners and other personal types of accidents and claims. Here are a few examples.

Common Insurance Claims During The Holiday Season

  • Damage to home as a result of holiday party mishaps
  • Theft of personal property
  • Identity theft
  • Food poisoning and illness
  • Stolen gifts out of mall parking lot
  • House fires as a result of dry trees or candles
  • Auto accidents due to rain or bad weather
  • Drunk driving accidents
  • Guests trip and fall claims during a holiday party
  • Falling while decorating
  • Winter sports activities
  • Falling trees due to wind storms
  • Ice and snow damages
  • Travel mishaps

 

How Your Personal Insurance Can Protect You During The Holiday Season

Identity Theft Increases during November and December

With more online shopping identity thieves target online shoppers. Criminals access public Wi-Fi systems to hack into your computer and smartphone.

Today, some homeowner’s insurance policies will either include or offer as an add-on, some type if identity theft coverage but in most cases, the coverage is limited. A stand-alone identity theft policy that is more comprehensive will typically contain the following benefits:

  • Coverage for the named insured, spouse, and resident children
  • Counseling with a licensed private investigator
  • Data breach notifications
  • Reimbursement for identity restoration costs
  • Credit card activity alerts
  • Bank account activity alerts
  • Fictitious Identity Monitoring

Homeowners Insurance

A standard homeowner’s insurance policy can offer protection from many of the trips, spills, and holiday mishaps. If your home insurance is written properly it can offer insurance coverage for;

  • Trips and falls
  • Theft of personal property
  • Personal liability risks for third party claims
  • Theft of personal property from your vehicle
  • Fire and other property damage
  • Damage to your home as a result of a covered loss

Some homeowner’s insurance can offer a limited amount of identity theft protection. We do recommend you consider identity theft insurance, which can protect your online identity.

Renters or Condo Insurance

Renters insurance can also provide coverage during the holidays.

  • Trips and falls
  • Theft of personal property
  • Personal liability risks for third party claims
  • Theft of personal property from your vehicle
  • Fire and other property damage not insured by the owner

Auto Insurance

Auto insurance can provide coverage for you and your passengers while driving during the holiday season. There is a variety of different auto coverage options to suit different people, family situations, financial statuses and more. While state law requires certain coverages and minimum limits, most drivers should carry much higher limits to protect themselves and family should an accident take place. The primary coverages included the following:

Collision Coverage – Covers the costs of repairs or replacement of a vehicle in the event of an accident.

Comprehensive Coverage – Pays for the costs and damages associated with events such as engine fires, hail damage, hitting a deer and other damages not caused by collision.

Bodily Injury Coverage – Provides financial compensation for injuries or death due to an auto accident, within the policy’s coverage limits.

Property Damage – Reimburses for damage to property, such as another vehicle, a fence, a building, and other types of features.

Let us help you by providing a free, no obligation, auto insurance quote, including various coverage options to choose from. We’ll help you identify the right insurance policy, and the best insurance company, to financially protect your car, truck, and other passenger vehicles. Call or fill out our online insurance quote request today.

Insurance specialists at Dahlmeier Insurance Agency, Inc. serve to help you coordinate an insurance program that determines the best coverage options for your needs – for benefits and quality discounts that help you save.

What does this mean for you? By combining home and auto policies, you may be eligible to receive money-saving discounts, a guaranteed full-year policy term for your car, On Your Side® insurance protection, 24-hour Customer and Claim service, and more.

Contact a representative at Dahlmeier Insurance Agency, Inc. to learn more about the benefits you can receive by combining your home and auto policies.

 

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