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While Home Alone is a fun and fictional holiday classic, it actually offers some surprisingly useful reminders about home insurance and how you can protect your property during the busiest travel season of the year!
We’re going to run through a few things that homeowners can learn from “Kevin!”
Already have some questions about your policy? Don’t hesitate to contact us and we’ll be happy to walk through it with you!
Liability coverage is a critical piece of any home insurance policy and covers you if someone gets injured on your property or if you accidentally damage someone else’s.
In Home Alone, Kevin’s improvised home security system leads to slips, falls, burns and general chaos. It’s exaggerated for comedy reasons, of course, but it illustrates a real point. If a guest, delivery driver, or other visitor is injured on your property, you could be held liable!
And liability claims can be expensive! Having the right amount of coverage ensures that you and your family are protected financially if any accidents occur — even during a hectic holiday season.
Examples of real-life situations where you could be held liable include:
Even though Kevin managed to outsmart the bandits in the movie, most homeowners need more than cardboard cutouts and loud music to protect their homes and deter people.
Break-ins can increase during December, especially when homes are left empty, so fortunately, home insurance policies typically have you covered. Stolen belongings, damage caused by forced entry, and repairs needed after a break-in are key theft-related protections you’ll want backing you up!
Some insurers even offer discounts if you install security systems, smart cameras, or other monitoring alarms. Way more practical security measures than, say, blowtorches over doorframes.
These are just a few ways homeowners can reduce risk (and sometimes insurance premiums):
If you need a hand with your policy and finding other ways to save on your insurance premiums, give us a shout and one of our experts can run you through it!
One of the biggest takeaways from Home Alone is how quickly things can go wrong when a house is left unattended. Sure, Kevin manages to hold down the fort, but most homes need consistent care, especially during a Manitoba winter.
If you have property insurance in place, you’re covered for most unexpected events that might happen while you’re away if you’re not at fault. But the part that many homeowners don’t realize?
Most policies include clauses that require your home be checked on regularly while you’re away.
Unlike the McCallisters, who unknowingly left someone in their home completely unattended, insurance providers want to know that someone is keeping an eye on things.
In fact, many policies require:
These requirements ensure that if something were to happen, it can be handled quickly. And if you’re not sure what your policy requires while you’re away, we can run through it with you so you’re sure — just give us a call!
Whether it’s a fallen Christmas tree or an appliance gone rogue, holiday activity usually brings about an uptick in accidental damage. But your home insurance policy can cover personal belongings from sudden and unforeseen events and damage like fire, smoke, water damage (depending on your policy), vandalism, and theft.
You’re probably not going to come across tarantulas or paint can-related concussions, but it’s still important to understand what’s covered and whether your high-value belongings require special limits or endorsements.
Home Alone might exaggerate holiday trouble for laughs, but it reminds us that a lot can happen when our lives get busy.
Home insurance offers you that key protection, whether you’re travelling, hosting family, or simply trying to get through the season without stepping on a misplaced toy.
And hey, if you want to look over your policy before the holidays to make sure your coverage fits your needs, our team of insurance experts are always here to help — no booby traps necessary!
Insurance isn’t just paperwork. It’s peace of mind for the life you’ve built. If you’re ready to safeguard your home or property, give us a shout and we’ll get a personalized quote going.
Still have questions? We’re always here to help.
