Thanksgiving is a time when insurance claims can go through the roof! From house fires to home intrusions, a variety of problems can occur while you’re celebrating the holidays with family and friends. Certainly, no one expects it or plans for it, but things happen and unless you’re protected by your homeowner’s insurance, Thanksgiving could wind up costing more than just the price of a turkey. Here are the most common insurance claims that occur over the Thanksgiving holiday:

The (In)Famous Turkey Fry

Here are some interesting (and not so surprising) statistics: Thanksgiving Day is the busiest day for home cooking fires! The day before Thanksgiving is the second busiest… According to the U.S. Fire Administration, an estimated 2,400 residential building fires occurred on Thanksgiving Day between 2014 and 2016, resulting in $19 million in property loss. While nothing beats a fried turkey, you may want to reconsider this cooking method or at least make sure your insurance policy is up-to-date first.

Food-Poisoned House Guests

If you manage to give your guests food poisoning, you could end up being held liable for medical bills. If your guests end up in the emergency room due to your holiday meal, you should be protected by your Florida homeowner’s insurance policy. This coverage may help pay for medical bills, lost wages, as well as pain and suffering associated with food poisoning.

Over-Served Guests & Accidents

Thanksgiving weekend (6pm Wednesday through 5:59am Monday) is one of the most dangerous times to be on the road! According to the National Safety Council, there has been an average of 506 car-related deaths on Thanksgiving weekend over the past two decades.

Drunk driving is a huge contributor to this problem. While each state’s laws are different, you could be held liable if a guest is injured in a car accident after being served too much alcohol and driving. In most cases, your homeowner’s insurance should cover damages, but there are typically limitations to coverage.

If you’re visiting a family or friend’s place for Thanksgiving or just running out for that last ingredient, be careful on the road. Seibert Insurance recommends you also review your auto insurance policy to make sure you’re covered for uninsured motorist before the holidays get into the full swing.

Trips, Falls, & Dog Bites

If a guest is injured in your home from a trip, fall, or dog bite, you will most likely be held liable if it goes to a lawsuit. Unless you are properly insured with animal liability insurance, you will end up having to cover the costs for medical bills, lost wages, and/or pain & suffering caused by your dog or cat. Some of these accidents may be covered by the liability portion of your homeowner’s policy, but only up to your policy limits.

Home Intrusions

AAA has forecasted that 43.4 million Americans travel 50 miles or more for Thanksgiving. This means that a lot of homes are left empty and ripe for the picking. If you’re going out of town this Thanksgiving, protect your home by doing the following: do not post your trip plans on social media, put timers on your lights, and set your burglar alarm.

If you are the victim of a home intrusion and you have the proper homeowner’s insurance coverage, you should be able to recover damages easily.

Do you need to re-visit your current homeowner’s insurance policy or purchase a new one? Seibert Insurance Agency can help! Contact our Tampa independent insurance agents today for a hassle-free quote for your Florida home or auto insurance.