Home Insurance Tips for Decorating with Fire Hazards Like Candles and Lights

During the holiday season, festive decorations can create a warm and cozy ambiance and help you form traditions. However, holiday decorations, especially candles, lights, and trees, can present fire hazards. To keep your home safe during the holiday season, review the following tips:

• Consider your tree choice. Real holiday trees can be more flammable, especially if they dry out. To minimize this risk, keep your tree fresh, well-watered, and away from heat sources like radiators and fireplaces. Artificial trees, however, are generally less flammable, but choosing one labeled as fire-resistant is crucial.
• Use candles safely. Always place candles on stable surfaces, away from flammable materials such as curtains and decorations. Never leave candles unattended; consider using battery-operated candles as a safer alternative. If you have pets or small children, keep candles out of their reach to prevent accidental knocks.
• Handle string lights carefully. Inspect all lights for damaged wires or broken bulbs before use. Avoid overloading electrical outlets and use surge protectors to reduce the risk of electrical fires. When decorating outdoors, ensure your lights are rated for exterior use and keep connections off the ground to avoid water exposure. Always follow the manufacturer’s installation instructions.

How Homeowners Insurance Can Help

Even if you take all precautions, accidents can still happen. Homeowners insurance can provide a financial safety net in case of fire-related incidents. Policies typically cover fire damage, but reviewing your coverage is vital to understanding the specifics. Some policies may also cover the cost of temporary housing if your home becomes uninhabitable due to fire damage. R.M. Cataldo Insurance Agency can help you review your policy to ensure you’re covered for the holiday season.

Home Insurance in Revere, MA

You and your family can enjoy a safe and festive holiday season by considering safety and reviewing your home insurance coverage. Contact R.M. Cataldo Insurance Agency today to find out more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.