How Holiday Decorations and Heating Systems Increase Fire Risk: Is Your Home Covered?

Holiday decorations and heating systems are among the leading causes of home fires in California during the winter months. Being aware of these seasonal hazards is crucial for keeping your home secure and making sure your insurance coverage is up to date.

What Are the Main Fire Hazards During the Holidays?

Here are some fire risks to keep in mind this season:

• Overloaded extension cords and power strips
• Dry, natural Christmas trees placed near heat sources
• Unattended candles or fireplaces
• Space heaters placed too close to flammable materials
• Lack of regular maintenance on furnaces or chimneys

How Homeowners Insurance Can Help

Homeowners insurance typically covers damage caused by fire, including that resulting from holiday decorations or heating systems. This coverage may help pay for repairs to your home, replacement of personal belongings and even temporary living expenses if your home becomes uninhabitable. However, it’s important to review your policy to make sure you have adequate limits and understand any exclusions that may apply.

Tips for Reducing Holiday Fire Risk

Taking a few simple steps can help reduce the risk of a fire in your home during the holidays. Consider the following:

• Damaged or faulty holiday lights can cause electrical fires.
• Flammable decorations may catch fire if placed near heat sources.
• Candles or fireplaces can start a fire if left unattended.
• Annual maintenance for heating systems and chimneys can help prevent buildup that may lead to fires.
• Space heaters with automatic shut-off features can reduce the risk of overheating or tipping accidents.

Learn More

Our team at Cal Total Insurance Services, LLC can answer your questions and help you find coverage for your Arvin & Bakersfield, CA home. Contact us to review your policy or to receive personalized assistance.

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.