We have all been waiting for the holiday season, which has finally arrived. Spending time with friends and family and partaking in exciting celebrations are anticipated. Unfortunate accidents, on the other hand, may happen occasionally.

If you're wondering what extra stuff your homeowners policy covers over the holidays, then this blog is for you. Read on to discover five lesser-known facts about your homeowners policy and the holiday season.

Lesser-known Facts about Homeowners Insurance for Holidays

1. Accidental Damage Isn't Covered If You're Under the Influence of Alcohol

   On a holiday evening, it's customary to enjoy a few beers or glasses of wine with friends and family. It goes without saying that people should take a cab home to prevent driving while intoxicated. While one might exercise caution when driving, it's just as crucial to do so when drinking in the first place. Drinking too much alcohol increases the risk of home accidents that are not covered by homeowners insurance.

2. You're Covered While on Vacation Unless You're Gone Too Long

   During the holiday season, it is easy to find people on vacation. However, this can expose their houses to additional burglaries and other types of damage. While you are protected if you take a brief vacation, most homeowner policies have clauses that do not pay for damages if you are gone for 30 days or more.

   You might need to get in touch with your insurance and let them know in advance about your travel plans to avoid this dilemma.

3. Christmas Decorations May Not Be Covered

   While putting up a Christmas tree is enjoyable and doesn't need much work on your part, some individuals tend to go all out with their holiday decorations and undertake numerous DIY projects. However, the homeowners coverage might not be effective if any of these projects were to go wrong and result in property damage. It is best to speak with your insurance provider before purchasing any excessive Christmas decorations.

4. Guests Are Protected, but Airbnb Guests Are Not

   It's common to have visitors around for the holidays. However, if they had an accident at your house, you wouldn't need to worry as your homeowners insurance would cover the medical bills and repairs as long as they were invited.

   This does not apply to paid visitors, such as those staying at an Airbnb, though. If you intend to host some Airbnb visitors for the holidays, you might need to add more riders to your homeowners insurance or obtain a business insurance policy. Additionally, it's also crucial to keep in mind that your homeowner's insurance covers employees you hire over the holidays.

5. Christmas Presents May Be Covered

   Gift-giving is prevalent during the holidays, but so are thefts. However, you may rest assured knowing that your standard homeowners insurance policy will cover your Christmas gifts as well as any other property at your home in the event of a theft.

Cover Yourself During Holidays with Weeks & Associates

Holidays are fun, but they can get stressful in case of any unfortunate incidents occur. It is best to be prepared for all situations and outcomes. Contact our experts here at Weeks & Associates Insurance Services today to get the most affordable homeowners policy that provides the best coverage tailored to your requirements.