The holiday season is a time for jubilation and celebration, much of which may often arise from decadent and delicious cuisine. However, regardless of how experienced and skilled a chef you may be, accidents and mishaps may inevitably happen. When you’re bustling around the kitchen, often amid a crowd of excited and distracted relatives, even a slight lapse in attention can have devastating consequences. Fortunately, the right home insurance can foster financial security and peace of mind.
How Can Home Insurance Help After Holiday Cooking Accidents? 
There are many common covered perils included in most standard home insurance coverage. Although these policies may come in many customizable forms, several key components comprise most options. Specifically, the following protections included in most home insurance policies can help respond to losses arising from cooking mishaps:
- Structures coverage—If you accidentally start a fire in your kitchen, the damage could be catastrophic. Fortunately, this component of a home insurance policy can help you with repair and rebuild costs.
- Contents coverage—It’s not just the structure of your home that could be damaged by a fire, smoke or other kitchen-related accidents. Should your furniture, clothing, electronics or other belongings be damaged, your coverage could be critical in limiting out-of-pocket losses.
- Additional living expenses coverage—Imagine you did start a fire while preparing a holiday dinner. Even after the flames are extinguished, your home might be temporarily uninhabitable. Fortunately, your coverage may help pay for hotel accommodations, restaurant meals and other costs while you wait for repairs to be completed.
- Liability coverage—If a kitchen mishap, such as a fire, also impacts neighbors or guests, you could be legally responsible for their injuries and property damage. In these situations, this part of your policy may offset losses and help pay legal fees.
We’re Here to Help
Contact Dixon Blackwood Insurance Agency Inc. today to learn more about home insurance and ensure you’re covered this holiday season.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.