The holidays in Vermont bring family gatherings, cozy evenings by the fire, and plenty of cheer. At the same time, the season can also increase the risk of accidents, property damage, and liability concerns. By being mindful of potential hazards, Vermont residents can better protect their homes, vehicles, and businesses during this busy time of year.
T.S. Peck Insurance is here to help you consider safety steps that may reduce the chance of needing to file a claim while also highlighting insurance options that could be valuable during the holidays.
How Can You Keep Your Home Safe During the Holidays?
Decorations, candles, and heating systems can bring warmth and joy, but they also create potential fire hazards. Vermont winters are cold, and fireplaces or space heaters are often in use. It is a good idea to keep flammable materials away from open flames and to check that smoke detectors are working properly.
Holiday lights are another area of concern. Be sure to inspect light strings for fraying wires, use outdoor-rated products for exterior decorating, and avoid overloading outlets. Turning off lights when leaving the house or going to bed may help lower risk as well.
Homeowners insurance may provide protection for damage caused by fire or other covered events, depending on the policy. T.S. Peck Insurance can help review existing homeowners policies to see what coverage may be in place and explore options for added peace of mind.
What Should Vermont Drivers Watch Out for in Winter?
Vermont roads during the holidays can be slick with ice and snow, and seasonal travel often means heavier traffic. Preparing your vehicle for winter is important. Consider checking tire tread, topping off windshield washer fluid, and keeping an emergency kit in the car.
When roads are busy with holiday shoppers and travelers, allowing extra time to reach destinations and slowing down on snowy roads can help reduce accidents. Keeping a safe distance from other vehicles is especially important in icy conditions.
Car insurance may help cover repair costs or liability in the event of an accident, depending on the coverage chosen. T.S. Peck Insurance offers guidance to Vermont drivers to help select policies that align with their needs, especially for those who plan to travel frequently during the holidays.
How Can Guests Be Kept Safe During Gatherings?
Holiday parties are a tradition for many Vermonters, but entertaining at home comes with responsibilities. Slip-and-fall accidents on icy walkways are common this time of year. Clearing snow and applying sand or salt can help keep driveways and walkways safe for visitors.
Inside the home, keeping high-traffic areas clutter-free, securing rugs, and supervising children near hot stoves or fireplaces can also reduce the risk of injury. If alcohol is served, offering food and non-alcoholic options may help encourage responsible consumption.
Liability coverage, often part of a homeowners insurance policy, may offer financial protection if a guest is injured and pursues a claim. T.S. Peck Insurance can review current policies with Vermont homeowners to ensure they understand what is and is not included.
Why Should Businesses Be Extra Cautious During the Holidays?
Retailers, restaurants, and other Vermont businesses see an increase in customers during the festive season. While this boost in activity is welcome, it also raises the potential for accidents, property damage, and employee injuries. Wet floors from tracked-in snow and crowded spaces can increase liability risks.
It may be wise for business owners to double-check safety measures, ensure walkways are clear, and remind staff of safe practices. Extra attention to security is also helpful, as theft often rises during busy shopping periods.
Business insurance, such as general liability, property insurance, and workers compensation, can help businesses prepare for unexpected situations. T.S. Peck Insurance works with Vermont business owners to explore coverage options that support their operations year-round, including the holiday season.
What Role Does Travel Play in Holiday Risks?
Many Vermonters travel to visit family and friends during the holidays, whether across town or across state lines. Leaving a home unoccupied for several days can increase risks like frozen pipes or burglary. Taking steps such as setting timers on lights, asking a neighbor to collect mail, and keeping thermostats at a safe level can help reduce the likelihood of damage.
For those flying or driving long distances, planning ahead can make travel safer. Checking weather forecasts, securing valuables, and confirming travel insurance options may be helpful.
While standard homeowners or auto policies may cover certain situations, some travelers consider additional protections for peace of mind. T.S. Peck Insurance can help Vermont residents evaluate whether specialized coverage, such as personal umbrella insurance or travel insurance, may be worth exploring.
How Can You Prepare for Emergencies During the Holidays?
Power outages, severe snowstorms, and unexpected accidents are more likely during Vermont’s winter months. Having an emergency plan in place can provide reassurance. Stocking essentials such as flashlights, blankets, first aid supplies, and non-perishable food may help families stay comfortable if storms disrupt power.
For businesses, having a continuity plan in place ensures operations can resume quickly after interruptions. Regularly backing up files and training staff on emergency procedures may help reduce downtime.
Insurance can play a role in recovery after unexpected events. Depending on the policy, coverages such as property insurance, renters insurance, or business interruption insurance may be valuable. T.S. Peck Insurance assists Vermonters in reviewing policies to identify options that align with their unique needs.
What Is the Best Way to Start the New Year Safely?
The new year is an excellent time to reflect on safety practices and review insurance policies. Taking inventory of valuables, updating home safety equipment, and revisiting coverage with an insurance advisor can be useful steps.
Life changes such as purchasing a new car, renovating a home, or expanding a business may create new insurance needs. Speaking with T.S. Peck Insurance ensures Vermont residents have the opportunity to adjust coverage as their circumstances evolve. If you are interested in reviewing your coverage or exploring additional protections, our team is ready to help you prepare for a safe and joyful season.