Accidents are more likely to happen during the busy holiday season than other times of the year, especially if you host dinner parties or have guests staying over in your rental property. By updating your renter’s insurance from HBW Insurance Group in Catonsville, MD, you can be prepared for any eventuality. Here’s how renters insurance can protect you this holiday season.

Liability Coverage

With a house full of guests to include children and pets, there’s always the risk of accidental injuries or damage to a visitor’s property. A slip and fall could send a guest to the hospital, leaving you to foot the bill for medical costs. Liability insurance covers medical expenses and damages of guests who have accidents on your property. If a guest decides to sue for damages, this coverage helps cover your legal costs and settlement, up to the limits of your policy.

Your HBW Insurance Group agent can help you determine how much liability coverage you should have to protect your assets. You don’t want to suffer financial loss due to skimping on liability coverage.

Contents Coverage

Holiday cooking increases your risk of starting an accidental fire, which could cause a lot of damage to your personal property. If you’re not careful, holiday lights can also spark a fire and damage your furniture, electronics, and other costly items. Renters’ contents coverage protects your goods against perils like fire, smoke damage, storm damage, theft, etc. If you have costly goods, replacement cost coverage offers the best protection as it pays to replace your goods without taking off for depreciation. This could save you thousands of dollars out-of-pocket.

By updating your renter’s insurance, you can enjoy the holidays to the full without worrying about unforeseen events or accidents. Contact HBW Insurance Group in Catonsville, MD today to update your renter’s coverage.