There are many ways to celebrate Thanksgiving. But, nothing beats the celebration of Thanksgiving like a real oven-roasted turkey. This special day has always featured a home-roasted turkey, which goes at the center of the table for everyone to enjoy. But, if you’re willing to roast a turkey, make sure you take into account these home insurance tips for Turkey Day.
Why is that? Well, cooking fires are the worst on Thanksgiving day. Celebrating and cooking all day can be difficult for anyone to manage. If you’re making all the preparations yourself, you should take all of the precautions necessary.
Does Homeowners Insurance Cover Turkey Day House Fires?
In this section, we will specifically focus on whether or not your home insurance will cover the damages from a cooking fire. In simple words, you should know that a standard home insurance policy covers fire damage to the house and the belongings within. Don’t forget about your loss of use coverage, which makes the insurance company responsible for covering additional expenses while your home is being repaired. Such things can go towards hotel bills or rent.
Insurance Tips for Turkey Day
Further accidents other than cooking fires inside a house can have a different effect on your coverage.
For example, one of your guests slips and falls on your property. The personal liability portion of your policy will pay for any damages or injuries your guest’s experiences. If your pet bites and injures on your guests then the personal liability portion of your home insurance will kick in. Did you know that most homeowners insurance policies offer $300,000 worth of liability coverage for injuries and property damage? This amount can be increased if needed.
Typically, the liability portion of your home insurance policy will cover instances like:
- Your dog bites a guest
- An accident involving alcohol occurs
- Your guest trips and injures themselves
- Keep flammable materials like oven mitts and towels away from the cooking area
- Use timers so your food doesn’t catch fire
- Avoid wearing loose fabric or long sleeves that can catch fire easily when cooking
- Don’t leave the house while you have food cooking
- Make sure your smoke alarms work
- Keep children away from any hot surfaces
- If you’re deep frying your turkey, do it outside away from your house
Follow the above tips to avoid any turkey day accidents. Also, talk with your insurance agent in advance to make sure you have the necessary coverage in case any incident occurs.