Paul D'Errico

Having a State Farm Agent is important because we care about what matters most...you and your family! Below you will see a few tips for the Holiday Season and how it relates to your insurance. Having proper home and auto insurance coverage around the holidays is especially important due to several increased risks and circumstances common during this season. Here are key reasons why:

1. Increased Travel and Driving

• More Traffic and Road Risks: The holidays often mean more people on the road, including long-distance travel to visit family and friends. This increases the risk of accidents. Proper auto insurance ensures you’re financially protected in case of collisions or other mishaps.

• Winter Weather Conditions: Snow, ice, and other winter hazards can make driving more dangerous, raising the chance of accidents or vehicle damage.

2. Higher Risk of Home Incidents

• Holiday Decorations and Electrical Use: Putting up lights, decorations, and using heating devices increases the risk of fire or electrical problems. Proper home insurance can cover damage caused by these incidents.

• More Time at Home: Families often spend more time at home during the holidays, increasing the likelihood of accidental damage or theft.

• Winter Weather Damage: Cold weather can cause frozen pipes, roof damage from snow, or other weather-related home issues. Adequate home insurance helps cover repairs or replacements.

3. Theft and Security Concerns

• Holiday Gifts: Expensive gifts and packages delivered to your home can attract thieves. Having proper home insurance (including coverage for theft) can protect your valuables.

• Unoccupied Homes: If you travel during the holidays and leave your home empty, it can be a target for burglary. Insurance coverage for vacant homes or notifying your insurer about travel plans can be important.