🎁 Insurance Tip: Protect Your Holiday Purchases

• New Valuables? Update Your Policy. If you’re gifting or receiving high-value items (such as jewelry, fine arts, collectibles), check whether they’re covered under your homeowners or renters insurance. Adding a rider or endorsement can save headaches later.

• Holiday Hosting? Double-check liability coverage. If you’re welcoming guests, make sure your policy protects you in case of slips, falls, or accidents on your property.
  

🚗 Driving Tip: Stay Safe on Winter Roads

• Prep Your Car: Keep an emergency kit with blankets, snacks, and a flashlight.

• Watch the Weather: Black ice is sneaky—slow down and increase following distance.

• Holiday Travel Reminder: If you’re driving long distances, notify your agent about rental car coverage options. A quick check now can prevent costly surprises later.
  

🏠 Home Safety Tip: Winterize Before the Freeze

• Prevent Frozen Pipes: Insulate exposed pipes and let faucets drip during extreme cold.

• Fire Safety: With candles, fireplaces, and space heaters in use, test smoke detectors and keep extinguishers handy.

• Smart Tech: Consider water leak sensors or smart thermostats—small investments that can prevent big claims.

• Carbon Monoxide Safety: Make sure your CO detector isn't on vacation. Check or change the batteries in your CO detector every six months. If you don’t have one, buy one ASAP. Please don’t wait until it's a last-minute gift to yourself.
• Remember: With colder temperatures and heaters running nonstop, CO poisoning risks skyrocket.