A Christmas Morning Mishap

Last year, the Connors were gearing up for a picture-perfect Christmas morning. The stockings were filled, the tree was glowing, and a fresh blanket of snow covered the ground. But when their son’s brand-new hoverboard skidded across the floor and knocked over a candle, Christmas morning turned into chaos. The small fire was quickly contained, but the damage to their living room was undeniable. It wasn’t the kind of gift anyone wanted to deal with. Thankfully, their homeowners insurance helped cover the cost of repairs, but it was a stark reminder of how quickly things can go wrong—even during the most magical time of the year.

The holidays are full of surprises, and not all of them are wrapped in ribbons. At Roberts & Associates, we want to ensure you’re prepared for the unexpected.

Here are a few holiday tips to keep your home safe and sound:

Fire Safety: Candles, Christmas lights, and fireplaces bring warmth but also risk. Check smoke detectors and never leave flames unattended.

Storm Preparedness: If winter weather is on the horizon, protect your roof and pipes from potential damage.

Gift Protection: Big-ticket items like jewelry or electronics might need additional coverage under your policy.

Liability Coverage: Hosting guests? Ensure you have adequate coverage for accidents, whether it’s a slip on icy steps or an overzealous game of charades gone wrong.

For the Connors, a quick policy review helped turn their holiday mishap into a manageable story they now laugh about. And that’s our goal—helping you face life’s challenges with confidence, so you can get back to what matters most. If it’s been a while since you’ve checked your policy, let us know. A little planning goes a long way toward making your holidays as stress-free as possible.