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A Safer Season: Your December Holiday Insurance Checklist

December is one of the most festive—and busiest—months of the year. From decorating and shopping to traveling and celebrating, it’s a time filled with joy, excitement, and plenty of activity. But with all that comes a unique set of risks that can quickly turn holiday cheer into holiday stress.

At LG Insurance Agency, we’re here to help you enjoy the season with confidence. Here’s your December guide to staying protected, prepared, and worry-free.

➡️ Want to make sure you’re fully covered this holiday season? Get a quick quote or policy review from LG Insurance Agency today before you get started!

1. Holiday Decorating Safety: Bright Lights, Safe Nights

Decking the halls is a tradition, but it’s also a major source of seasonal claims.

Common holiday hazards include:

  • Electrical fires from overloaded outlets

  • Christmas tree fires

  • Injuries from ladder use

  • Slip-and-fall accidents on icy walkways

Safety tips:

  • Inspect lights for fraying or exposed wires

  • Water real trees daily

  • Use surge protectors, not daisy-chained extension cords

  • Keep walkways salted and well-lit

  • Never leave candles burning unattended

Taking a few extra steps now can help avoid costly damage or liability claims later.

2. Hosting Gatherings? Review Your Liability Coverage

Whether you’re hosting friends, family, or the whole neighborhood, more people means more potential for accidents.

Consider:

  • A guest slipping on ice outside

  • A child knocking over a valuable item

  • Pets reacting to new people in the home

Make sure your homeowners policy includes adequate personal liability protection. If you want even more peace of mind, an umbrella policy offers an extra layer of coverage—especially helpful during the busy holiday season.

3. Protect Your Holiday Shopping & Deliveries

With December being peak season for gift-buying, the risks go beyond late packages.

High-Value Purchases

Jewelry, electronics, luxury watches, art pieces—many gifts exceed the standard limits of homeowners policies.
Consider adding scheduled personal property coverage to properly insure them.

Porch Piracy

Package theft spikes in December.

Homeowners insurance may cover stolen deliveries, but limits vary. Adding enhanced coverage or using secure delivery options can offer better protection.

Cyber Shopping Safety

Online shopping brings convenience—and cyber threats.

Protect yourself from:

  • Phishing attacks

  • Fraudulent websites

  • Identity theft

  • Hacked devices or accounts

Ask us about Personal Cyber Insurance to safeguard your digital footprint this season.

4. Winter Weather: Prepare for the Elements

December often brings freezing temperatures, heavy snow, and storms.

Prevent Frozen Pipes

  • Insulate exposed pipes

  • Keep indoor temps steady

  • Let faucets drip in extreme cold

Snow & Ice Damage

Know what your policy covers regarding:

  • Roof collapses

  • Ice dams

  • Water intrusion

  • Storm damage

Preparing ahead can help you avoid major winter claims.

5. Traveling for the Holidays? Don’t Leave Your Home Unprotected

Empty homes are especially vulnerable during holiday travel.

Before you head out:

  • Set smart thermostat and security alerts

  • Lock all windows and doors

  • Unplug unused electronics

  • Consider shutting off water if temperatures are dropping

  • Let a neighbor know you’ll be away

If you haven’t reviewed your coverage lately, now is a great time to ensure you’re protected from theft, vandalism, and unexpected damage.

6. A Quick Year-End Insurance Checkup

December is the perfect time to review your insurance needs before the new year arrives.

Ask yourself:

  • Did you buy or sell a home or car this year?

  • Did you renovate?

  • Did your business grow or change?

  • Did you receive high-value items?

  • Did your family size change?

Life changes quickly—your insurance should keep up.

Enjoy the Season With Confidence

The holidays are meant to be celebrated—not stressed over. With the right protection in place, you can enjoy December knowing that your home, belongings, and family are covered.

Want to make sure you’re fully protected this holiday season?
Reach out to LG Insurance Agency for a quick coverage review or a personalized quote.

Happy Holidays from our family to yours!

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