Are Christmastime Crimes Covered by Homeowners’ Insurance?

You spend weeks preparing for the festivities of the holiday season: tree trimming, stringing lights and hanging ornaments, shopping for the perfect gifts, wrapping presents and preparing your favorite traditional dishes. Sadly, it wouldn’t be hard for a Christmas crook to turn your holiday cheer into a Yuletide nightmare. Your homeowners’ insurance policy may have you covered if a thief runs off with your holiday goods or steals the shopping bags right out of your car. Homeowners’ insurance typically includes coverage of holiday gifts stolen from the home; and, purchases swiped from your car would not actually be covered under auto insurance, but rather, may be insured under the homeowners’ policy for being personal property. The downside is that if you file a claim for stolen presents, you would first have to pay a deductible (usually at least $1,000) and could be hit later on with a 10 to 15 percent increase in your insurance premium. In the event you do need to file a claim, be sure to retain your receipts on all holiday purchases. Other Christmas crimes may include stolen outdoor holiday decorations, packages taken right off your porch or a holiday visitor may even walk off with some of your precious valuables (i.e. jewelry). Fortunately, your decorative Nativity scenes and inflatable snowmen are often covered by home insurance. However, you would have to pay a deductible and would face the same risk of a higher premium. Additionally, if gifts sent by the USPS, FedEx or UPS are stolen after being left at a home, insurance, minus the deductible, can help pay for the loss, although the best alternative is for the shipper to insure the package for the full value of the contents. Your home insurance could also reimburse you for the personal belongings to which holiday guests decide to treat themselves, depending on how much the stolen goods were worth. You’d still be responsible for the deductible, however. It might also be worth looking into valuable items’ insurance for those extra special pieces. It’s important that you understand the type of property covered under your homeowners’ or renters’ insurance. We at Morrell encourage you to take the precautions to be sure you’re prepared in the event you do have to file a claim for a Christmas crime. It’s already bad enough that thefts occur and even more so during the holiday season, don’t give yourself an additional headache by not being prepared.

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