We all love December. Twinkly lights, incredible feasts, and homes full of holiday buzz. But this is also when the not-so-fun stuff can happen. In fact, December sees a spike in insurance claims, usually from accidents that could’ve been prevented. Here are the most common holiday dangers and tips to avoid them.

Watch out for fire hazards.

Those beautiful lights and decorations look great, but they can be trouble if you’re not careful. Overloaded outlets, dry trees, unattended candles, and even cooking during big holiday gatherings are the top reasons homes catch fire this time of year. A few simple things can keep your house safe:

• Check your lights for worn wires or broken bulbs.
• Keep cords untangled and away from curious pets.
• Water real trees every day (and don’t let pets drink the water).
• Turn off lights when you leave the house or go to bed.
• Keep candles at least a foot away from anything flammable.
• Never leave candles unattended.
• Stay alert while cooking in the kitchen. 

Don’t let holiday thieves crash the party.

December is also prime time for break-ins. Houses can look empty when you’re off visiting family and friends, and pricey gifts under the tree are like neon signs for thieves. Here’s how to stay a step ahead:

• Keep receipts and document any high-value gifts.
• Make sure doors and windows are locked properly.
• Use timers for lights so your home looks lived-in.
• Ask a trusted neighbour to keep an eye out while you’re away.
• Avoid having packages delivered when no one’s home.
• Smart cameras and alarm systems are a great deterrent, and help with claims if anything does happen.

A few minutes of prep now can save you a lot of stress later and keep your holidays merry instead of messy.

Peace of mind, the best present.

Give yourself the gift of worry-free holidays. Make sure your insurance policy is up to date and that you’ve got the protection you need if anything goes downhill. Reach out to a local Steers Insurance broker to review your policy and stay covered.

Stay safe, have fun, and enjoy every festive minute - from all your friends at Steers.