Personal Liability Insurance: What Happens When Someone Gets Hurt on Your Property

For many of us the tradition of carefully selecting and decorating a Christmas tree is our favorite time of year!  But did you know that every year, an averageof 240 Christmas tree-related homefires occur in the United States?  Those fires are usually caused by electrical problems, heat sources placed too close to the tree, decorative lights, cigarettes or other open flames.

Don’t let your carefully-chosen fresh Christmas tree become a fire hazard . Observe these fire safety tips:

• Keep the trunk of the tree immersed in water at all times.

• Do not permit smoking near the tree.

• Use flame retardant trim/decorations.

• Use only lights that are UL approved.

• Inspect lights for frayed or cracked wiring, broken plugs and defective sockets.

• Unplug lights at night and when leaving home.

• Do not over load circuits or outlets.

• Do not run extension cords under carpets or across doorways.

• Remove the tree soon after the holidays, before the needles dry out.

• Check your smoke alarms; install new batteries if necessary.

• Use caution if hanging lights outside; be aware of power lines and hazards while using a ladder.

• Use caution with candles or open flame devices.

Most importantly, talk to your insurance agent and make sure your home or renter’s insurance policy is up to date and you are adequately covered- no one plans to have a house fire. Call us today at our toll-free number 877.550.0025, we are happy to help!

Vargas & Vargas  can help you with your MA homeowners or Ma automobile insurance policies. We wishe everybody a safe and happy holiday season!