You Better Watch Out: Insuring Against Holiday Mishaps

The holidays may be the most wonderful time of the year, but many serious household accidents occur in December. According to the Consumer Product Safety Commission, holiday decoration-related accidents sent nearly 15,000 people to emergency rooms last year.

“While the holidays are a time for cheer and goodwill, an accident can quickly spoil the spirit,” said Gene Castiglioni, Vice President of Sales & Insurance with AAA South Jersey. “Being aware of your insurance coverage can offer peace of mind and a measure of reassurance at the holidays.”

Here are some of the typical – and not so typical – situations your AAA insurance policy might cover:

• O’ Christmas tree: You thought you tied it down securely, but a glance in the rearview mirror reveals your Douglas fir atop the hood of a following vehicle. Damage to the other vehicle may be covered by your automobile policy.
  
• Up on the rooftop: Festive lighting is one of the most important parts of the holidays. However, traversing wet roofs and icy stepladders can be dangerous. Should a guest slip and fall while helping hang the holiday lights, your insurance policy may cover associated medical bills, and may provide defense against a lawsuit.
  
• Lighting the menorah: Nine candles burning atop the mantel is an inspirational sight, but poses a fire hazard. Costs to repair burned walls or damaged flooring may be covered. Check your renters or homeowners policy to be sure.