The holiday season is a time for twinkling lights, glowing candles, and homes decked out in festive cheer. But behind the sparkle, there are real risks that can turn holiday magic into a costly insurance claim.
At Crain Insurance Group, we love a beautifully decorated home as much as anyone, but we also know how quickly things can go wrong if precautions aren’t taken. From fire hazards to liability concerns, we’re here to guide you through holiday decorating with your safety (and insurance policy) in mind.
In this blog post, we’ll share smart decorating tips, cover what your homeowner’s insurance does and doesn’t protect, and help you avoid common seasonal mistakes that could lead to damage or injury.
Indoor Holiday Lighting Safety
Few things are more festive than a Christmas tree or fireplace mantle wrapped in twinkling lights. But faulty wiring and overloaded outlets are among the top causes of holiday fires.
Safety Tips:
- Inspect lights for frayed wires, cracked sockets, or loose connections
- Use UL-listed (safety certified) lights and extension cords
- Avoid daisy-chaining multiple strands together
- Never run wires under rugs or furniture
- Unplug lights before bed or leaving the house
Tip: LED lights are cooler, more energy-efficient, and safer than traditional incandescent bulbs.
Insurance Note: Fire damage caused by electrical issues is typically covered under your homeowner’s policy, but claims may be denied if damage was caused by known hazards or neglect.
Tree Safety: Real or Artificial?
Whether you prefer a classic Douglas Fir or a pre-lit artificial tree, each option comes with its own risks.
Real Tree Tips:
- Choose a fresh tree with needles that don’t fall off easily
- Keep it well-watered to prevent drying out
- Place it at least 3 feet from heat sources like fireplaces or radiators
Artificial Tree Tips:
- Ensure the tree is flame-resistant or flame-retardant
- Don’t overload it with lights or decorations that can overheat
Insurance Note: If a tree catches fire and causes damage, your insurance will likely cover the damage to your home and belongings, assuming proper safety measures were followed.
Candle & Fireplace Safety
Candles and fireplaces add warmth and ambiance, but they’re also major fire hazards if left unattended.
Candle Tips:
- Use sturdy, non-flammable holders
- Keep candles away from flammable materials
- Never leave a candle burning unattended
- Consider battery-powered flameless candles for added safety
Fireplace Tips:
- Clean your chimney annually
- Use a fireplace screen to catch sparks
- Don’t burn wrapping paper or pine needles—they can flare up quickly
Fact:December is the peak month for home candle fires.
Insurance Note: Most fire-related damages are covered, but your insurer may investigate to confirm it wasn’t due to negligence or lack of maintenance.
Outdoor Decorations and Electrical Hazards
Outdoor lights and inflatable lawn decorations are great for spreading cheer, but they can also pose electrical and physical risks.
Outdoor Safety Tips:
- Use extension cords and lights labeled for outdoor use
- Keep all electrical connections off the ground and away from water sources
- Anchor inflatables securely to prevent wind damage
- Avoid using nails or staples that can pierce electrical cords
Insurance Note: Damage to your home caused by faulty decorations or weather-related incidents (like inflatables blowing away and breaking a window) may be covered, but improper installation could impact your claim.
Ladder Safety for Hanging Lights
Every year, thousands of people end up in the ER from falling off ladders while decorating. Don’t let a festive tradition land you with a medical bill.
Ladder Safety Tips:
- Use a sturdy, non-slip ladder on a level surface
- Have someone hold the base for stability
- Don’t lean too far or stand on the top rung
- Don’t decorate while under the influence of alcohol
Insurance Note: Your homeowner’s insurance may cover medical expenses if someone is injured on your property, but liability coverage limits apply. Umbrella insurance can offer added protection if you’re found responsible.
Decorating With Pets and Children in Mind
Holiday decor can be tempting for little hands and curious paws. But broken ornaments, loose cords, or toxic plants can be dangerous.
Kid & Pet-Friendly Tips:
- Avoid sharp or breakable ornaments within reach
- Secure the tree base so it doesn’t topple
- Keep poinsettias, holly, and mistletoe out of reach (they’re toxic)
- Hide or tape down extension cords
Insurance Note: Injuries to your own family members aren’t covered under homeowners’ liability, but pet-related damage to the home may be, depending on your policy.
Theft & Vandalism During the Holidays
The holiday season can unfortunately bring an uptick in theft, especially if you’re out of town or have gifts visible through windows.
Security Tips:
- Keep wrapped gifts out of sight from windows
- Use smart lights or timers to make the home appear occupied
- Lock doors and windows, even if you’re just out shopping
- Install doorbell cameras or security systems
Insurance Note: Theft is usually covered by your homeowners or renters’ insurance, but there are limits on high-value items like electronics or jewelry. Consider scheduling these items for full protection.
Hosting Holiday Gatherings: Liability Concerns
Hosting loved ones is part of the season’s joy, but if a guest slips on your icy steps or gets food poisoning, you could be held liable.
Hosting Tips:
- Shovel and salt walkways
- Keep common areas free of cords and clutter
- Make sure food is stored and cooked at proper temperatures
- Watch alcohol consumption and offer ride alternatives
Insurance Note: Liability coverage on your homeowner’s policy typically includes medical payments to guests but check your policy limits. Umbrella policies offer additional peace of mind for larger gatherings.
Post-Holiday Cleanup Tips That Protect Your Home
Once the holiday magic fades, it’s time to pack everything up and that comes with risks, too.
Cleanup Tips:
- Don’t yank lights off the house ,coil and store them properly
- Wrap ornaments to prevent breakage
- Store decorations in dry, labeled bins to prevent water or rodent damage
- Check smoke detectors when taking down decorations
Insurance Note: Damage caused during takedown (like cracked siding or broken windows) may not be covered if deemed preventable or due to carelessness.
Final Thoughts: Decorate With Confidence This Holiday Season
Holiday decorating should be fun, not stressful. By keeping safety in mind and reviewing your insurance coverage ahead of time, you can focus on making memories instead of filing claims.
At Crain Insurance Group, we’re here to help ensure your home is protected throughout every season. Whether you need to update your personal property limits, add umbrella coverage for holiday hosting, or simply review your policy, our team is just a phone call away.
Wishing you a safe, joyful, and beautifully decorated holiday season!