Is Your Home Protected Against the Risk of Holiday Accidents?

The holiday season was made for festive celebrations. Whether you’re planning family dinners or holiday gatherings with neighbors and friends, you’ll need to prepare your home for the influx of visitors. Part of this preparation is reviewing your home insurance to ensure you’re covered against any eventuality. The right home insurance coverage from Alliance General Insurance Agency will protect your Denver, CO home against holiday accidents that can disrupt your festivities. Here’s how home insurance can protect you during the holidays.  

Dwelling Coverage

If an accidental grease fire gets out of control when preparing holiday meals, it could cause substantial structural damage to your home. Dwelling coverage protects you against fire damage so you can recuperate your losses. Dwelling insurance also protects you against natural disasters like severe snowstorms that are common in Colorado during winter. Ideally, you should have sufficient dwelling coverage to rebuild your Denver CO home in the event of a major disaster.

Property Coverage

When you have a house full of guests, there’s a greater risk of accidental damage to personal property. You may sustain scratches on your new dining room table, rips on costly living room furniture or stains on expensive carpeting. Children may break a valuable heirloom during rowdy play. Property insurance will cover the cost of repairing or replacing goods that are accidentally damaged during the holidays.  

Liability Coverage

If a grandparent slips and falls while visiting your home or an aunt suffers a kitchen burn while helping with holiday cooking, liability coverage will help cover their medical costs. Liability coverage protects you against accidental injuries visitors have on your property, so you don’t have to pay for their medical expenses out-of-pocket.

For quality home insurance coverage to protect you against holiday accidents and disasters, contact Alliance General Insurance Agency in Denver, CO.