Protecting Holiday Decorations & Exterior Displays: Insurance Overlooked Risks

The holiday season transforms neighborhoods with festive lights, inflatable displays, and creative decorations. While these displays bring joy, they also introduce overlooked insurance risks that many homeowners and businesses fail to consider. As the auto insurance agent CT drivers trust, D.M. Johnson Insurance Agency is here to help you understand and mitigate these risks to keep your celebrations safe and your property protected.

1. Fire Hazards

• Electrical fires are a leading cause of holiday insurance claims, often sparked by overloaded outlets, faulty string lights, or damaged extension cords.
• Candles and combustible decorations placed near heat sources can quickly ignite, causing significant property damage.

2. Theft and Vandalism

• Outdoor decorations, especially high-value or popular inflatables, are frequent targets for theft and vandalism during the holidays.
• Filing a claim for stolen decorations may be worthwhile if the loss exceeds your deductible, but consider potential premium increases.

3. Physical Damage

• Decorations can be damaged by wind, storms, or falling objects, leading to broken windows, damaged roofs, or destroyed displays.
• Improperly secured items may become projectiles in severe weather, causing additional property damage.

4. Injury and Liability

• Trip and fall hazards from extension cords, poorly placed decorations, or icy walkways can result in injury claims from guests or passersby.
• Homeowners and property owners may be held liable for injuries caused by unsafe holiday setups.

5. Product Defects

• Defective lights, pre-lit trees, or inflatables can cause fires, electrical shocks, or injuries, potentially leading to product liability claims against manufacturers.

• Homeowners insurance typically covers fire, theft, vandalism, and certain types of property damage related to holiday decorations, but coverage varies by policy.
• Personal liability coverage may protect you if someone is injured due to your decorations, but only if you’ve taken reasonable safety precautions.
• Wear and tear, mold, or gradual deterioration of decorations are generally not covered.

• Inspect all lights and cords for damage before use; replace any frayed or faulty items.
• Avoid overloading electrical outlets and use surge protectors to prevent fires and voltage surges.
• Secure outdoor decorations to withstand wind and weather.
• Keep walkways clear of cords and decorations to prevent trips and falls.
• Store decorations in airtight containers to protect against water damage and mold.
• Never leave candles unattended and keep them away from flammable materials.

As your local auto insurance agent in CT, D.M. Johnson Insurance Agency not only helps you find the right auto coverage but also ensures your home and holiday displays are protected. We review your policies, identify gaps in coverage, and provide expert advice tailored to your unique needs.

Holiday decorations bring cheer, but they also come with risks that are often overlooked until disaster strikes. By understanding your insurance coverage and taking proactive safety measures, you can enjoy a festive—and safe—holiday season. For personalized advice or a policy review, contact your trusted auto insurance agent in CT at D.M. Johnson Insurance Agency.

Protect your home, your guests, and your holiday spirit—reach out to D.M. Johnson Insurance Agency today.