Home Insurance Terminology Explained

Home Safety During The Holidays

The holiday season may be a joyous one for most people, but it can quickly turn into a nightmare for you if a guest gets injured in your home and you need to involve your insurance company. Here are some precautions you should take to reduce the risk of injury during the holidays.

Don't Leave Holiday Lights Unattended

Electrical fixtures and wiring can easily cause electrical fires if they are left unattended for long. This is because there will be no one to switch off the power or unplug appliances in case of an electrical malfunction. That is why you should, for example, switch off the decorative lights before going to bed. Using a timer will ensure that happens automatically so that forgetfulness doesn't lead to an injury.

Use the Right Electrical Wires and Fixtures

Still, on the issue of electrical dangers, it's important to ensure that you use safe electrical materials, wires, and fixtures, and that the wiring is safely done. For example, exterior light decorations should be done with wires and fixtures rated for outdoor use so that they don't succumb to moisture damage.

Don't Recycle Foods Too Much

For most people, the holiday season is not a success until they have eaten sumptuous meals or tried exotic dishes. This means your guests may have some sort of expectations when it comes to food. Be careful with what you feed the guests; in particular, ensure that food leftovers are still safe before serving them to your guests. Otherwise, you will be facing food poisoning claims in a few days. Also, ensure that you understand each guest's allergies so that your food doesn't trigger allergic reactions on the guests.

Warn Guests about Injury Risks

It is possible that your home will be completely safe before the holiday season arrives. Fix what you can and warn your guests about the remaining risks as soon as they arrive. Tell your guests about the uneven steps to the attic, the poisonous herbicides in the basement, and the deteriorated septic tank in the corner of your lot.

Test Your Smoke Alarms

Lastly, you need to be prepared for the risk of fore by making sure that your smoke detectors are working. Many people install these things and then forget about them even though their batteries don't last forever. Therefore, test your smoke alarms and ensure they will warn you when the time comes.

Despite your best precautions, something might go wrong, and someone may still get injured. Therefore, confirm that your liability coverage is enough to protect you from such risks. For more information, check out a website like http://gateway-insurance.com.