Personal Insurance Update
Did you get an ugly tie or sweater last year for Christmas? If this Christmas is a repeat of last year, the good news is that you can exchange the gift for something you can use. However, many other ugly things can happen during the holidays that you may not be able to take back. While the holiday season is a great time to celebrate with family and friends, it can also lead to fire, theft, and losses that will dampen your holiday spirit.
Now would be a good time to have us review your personal insurance to make sure you understand your coverage and provide optional coverage for you to consider.
Typical Holiday Mishaps
House fires – Due to the increased use of electrical cords, home fires rose during November and December. Make sure you use only UL-approved appliances and electrical cords. Do not over-use outlets to string inside or outside lights. If you have a natural tree, keep it watered. Invest in a fire extinguisher, and keep it in the kitchen. The median cost of fire damage due to candles and fireplace claims can be around $9,000.
Theft –Criminals love the holiday season because they know you may have expensive items in your home. Keep your doors locked. Do not place gifts next to windows. It is not necessary to post all your holiday purchases on social media. Criminals love to “like” your posts and then steal your gifts.
Use of alcohol – Resist the pressure to drink or serve alcohol at every social event. Designate a driver before the party begins. Offer non-alcoholic beverages at your party.
We are committed to providing clients with the highest quality insurance plans available combined with some of the lowest possible rates. Whether you are shopping for auto insurance, home insurance, or life or business insurance, we can help you obtain the best coverage available at the lowest rate possible.
Davidson Stewart Morelock Independent Insurance Group LLC (DSM) was formed in 2008 (Originally Stewart Morelock Insurance, est. 2005) by insurance professionals with over 50 years of combined experience in the property & casualty insurance industry….experience includes; senior officers of regional insurance companies & wholesalers, reinsurance brokers, personal & commercial insurance production agents, agency owners, underwriting managers & agency directors. DSM is directly appointed with all major insurance carriers and brokers, and has the capability to place virtually all lines of business and personal lines insurance.