December 18, 2025
The holiday season is a time for celebrations, gatherings, and gift-giving—but it also brings unique risks that many homeowners and renters overlook. From decorating your home to hosting guests, these seasonal activities can impact your insurance coverage. Understanding holiday-related insurance considerations can help protect your property, finances, and peace of mind during one of the busiest times of the year.
Holiday Decorations and Property Damage
Decorating is a staple of the season, but holiday lights, extension cords, candles, and live Christmas trees can increase the risk of fire. Most homeowners insurance policies cover fire damage, but losses caused by negligence—such as overloaded electrical outlets or unattended candles—may complicate claims.
It is important to use UL-approved lighting, avoid damaged cords, and keep live trees well-watered. Taking preventative steps not only reduces risk but can also help ensure your homeowners insurance coverage responds appropriately if damage occurs.
Theft and Personal Property Coverage
The holidays often mean new and expensive gifts entering your home. Electronics, jewelry, and other high-value items may exceed standard personal property coverage limits. If gifts are stolen—whether from your home, porch, or vehicle—coverage depends on your policy limits and deductibles.
Reviewing your personal property coverage before the holidays is wise. You may need to schedule high-value items or increase coverage limits to ensure adequate insurance protection.
Hosting Guests and Liability Exposure
Holiday gatherings can increase your exposure to liability claims. If a guest slips on a wet floor, trips over decorations, or is injured on your property, you could be held financially responsible. Homeowners liability insurance typically covers medical expenses and legal costs, but only up to your policy limits.
With more visitors in your home, now is a good time to review liability coverage and consider an umbrella insurance policy for additional protection.
Short-Term Rentals and Overnight Guests
If you rent out your home or a portion of it during the holidays, standard homeowners insurance may not cover short-term rental activity. Likewise, extended overnight guests can sometimes affect coverage, depending on policy language.
Homeowners who use platforms like Airbnb or Vrbo should confirm whether they need additional insurance coverage or a landlord policy to avoid gaps in protection.
Travel, Vacations, and Unoccupied Homes
Many families travel during the holidays, leaving their homes unoccupied for extended periods. Some insurance policies have restrictions if a home is vacant for too long, particularly when it comes to claims involving theft or water damage.
Before traveling, secure your home, set thermostats appropriately, and consider asking a trusted neighbor to check on the property. These simple steps can help maintain homeowners insurance eligibility and reduce the risk of a denied claim.
Reviewing Your Insurance Before the Holidays
The holidays are an ideal time to review your homeowners insurance or renters insurance policy. A quick policy review can uncover coverage gaps, outdated limits, or opportunities to better protect your home and belongings.
Working with a trusted insurance professional ensures you are properly covered during the holiday season and beyond.
Final Thoughts
Holiday-related insurance considerations are often overlooked in the excitement of the season. By taking proactive steps and understanding how your insurance coverage applies to decorations, guests, gifts, and travel, you can enjoy the holidays with confidence and security.
If you have questions about your current policy or want to ensure you’re adequately protected this holiday season, contact Secured Insurance Group for a personalized insurance review.
