🎄 Making a List, Checking It Twice: Is Your Insurance Ready for the Holidays?

The holiday season is a time for celebration — homes filled with family, gift exchanges under the tree, and calendars packed with travel plans. But while you’re busy checking off your Christmas to-do list, it’s easy to overlook something just as important: making sure your insurance coverage is ready for the season.

👉 Before the festivities begin, request a no-obligation insurance quote from LG Insurance Agency to ensure your home, auto, and valuables are protected this holiday season.

At LG Insurance Agency, we know the holidays bring joy — and a few added risks. A little preparation now can help ensure the only surprises this Christmas are the good ones.

🏠 Holiday Gatherings & Home Protection

From hosting family dinners to overnight guests, your home sees more activity during the holidays than any other time of year. Extra foot traffic, seasonal decorations, candles, fireplaces, and extended cooking all increase the chance of accidents or property damage.

Now is a great time to:

• Review your homeowners or renters insurance limits

• Confirm liability coverage is sufficient for hosting guests

• Make sure valuables like jewelry, art, collectibles, and electronics are properly insured

🎁 Holiday Reminder: High-value gifts may exceed standard policy limits if they aren’t scheduled separately. A quick review now can help avoid coverage gaps later.

🔥 Decorations, Fireplaces & Seasonal Risks

Christmas trees, string lights, candles, and fireplaces create a warm holiday atmosphere — but they also introduce fire risks. Electrical issues, unattended candles, and dried-out trees are some of the most common causes of holiday-related claims.

To reduce risk:

• Use flame-resistant decorations

• Turn off lights and candles when leaving the house

• Have chimneys and fireplaces inspected if used regularly

Insurance helps when accidents happen, but prevention goes a long way in keeping your holidays stress-free.

🚗 Holiday Travel & Winter Driving

Whether you’re driving across town to visit family or heading out of state for the holidays, winter weather and crowded roads can make travel unpredictable. Snow, ice, and reduced visibility increase the likelihood of accidents during this time of year.

Before traveling, review:

• Auto liability limits beyond state minimums

• Comprehensive and collision coverage

• Roadside assistance for winter emergencies

If you’re flying and renting a car, it’s also smart to confirm how your current policy extends coverage to rental vehicles.

🎁 Gifts, Packages & Personal Property Coverage

Between online shopping and gift deliveries, packages often sit unattended on doorsteps during the holidays. Unfortunately, porch theft tends to increase this time of year.

Homeowners and renters insurance may provide some protection for stolen items, but limits apply. If you’re purchasing high-value gifts or storing multiple deliveries at home, it’s worth reviewing personal property limits and deductibles to ensure you’re adequately protected.

📅 Ending the Year Prepared

The end of the year is an ideal time to review your insurance policies and plan ahead. Life changes — new homes, new vehicles, renovations, or growing families — can all impact your coverage needs.

Taking a few minutes now to review your policies can help:

• Avoid surprises in the new year

• Ensure coverage aligns with your lifestyle

• Provide peace of mind heading into 2026

At LG Insurance Agency, we work with clients to simplify insurance and make sure coverage keeps pace with life — especially during busy seasons like the holidays.

🎄 Ready to head into the new year with confidence? Contact LG Insurance Agency today to request your personalized insurance quote and ensure you’re fully protected this holiday season and beyond.