The holiday season is a time for travel, celebrations, and time with the people you love — but it’s also one of the busiest times of the year for insurance claims.
Between increased travel, cooking, hosting guests, and gifting high-value items, small oversights can turn into big headaches. That’s why we want to share a few smart holiday insurance tips — along with an update on our holiday office schedule — so you’re prepared before the festivities begin.
StreetSmart Holiday Office Schedule
As we celebrate the holidays with our families, please note our upcoming schedule:
- Wednesday, December 24th: Closing early at 1:00 PM
- Thursday, December 25th: Closed
- Friday, December 26th: Closed
We will resume normal business hours on Monday.
During this time, you can still access your policy documents, ID cards, and carrier information through our Client Center, available 24/7.
Traveling for the Holidays? Check Your Auto Coverage
The holiday season is one of the most dangerous times to be on the road due to increased traffic, long drives, and distracted drivers.
Before you travel, make sure your auto policy includes:
- Uninsured / Underinsured Motorist Coverage
- Roadside Assistance
- Collision Coverage
- Rental Reimbursement
“It’s always better to review your coverage before a trip than after an accident.”
Holiday Cooking & Home Safety
Did you know Thanksgiving and Christmas are among the top holidays for kitchen fires?
With more cooking, guests, and activity at home, take a few extra precautions:
- Never leave cooking unattended
- Keep flammable items away from heat sources
- Avoid overcrowding the kitchen
- Ensure smoke detectors are working properly
If damage does occur, remember to document first before cleaning, as photos and videos are key for claims.
Hosting Guests? Liability Matters
Whether you’re hosting family, friends, or holiday gatherings, accidents can happen:
- Slips and falls
- Injuries inside or outside the home
- Property damage
Your homeowners or renters policy includes personal liability and medical payments coverage, which can help protect you if a guest is injured.
“Good coverage doesn’t just protect your home — it protects the people inside it.”
Holiday Gifts & Valuables: Are They Covered?
Electronics, jewelry, and other high-value gifts may have coverage limits under standard homeowners or renters policies.
If you’re gifting or receiving valuable items:
- Ask about scheduled personal property
- Confirm replacement cost coverage
- Keep receipts or photos for documentation
A Quick Holiday Fun Fact
The holidays are one of the busiest times of year for both travel claims and home claims but unfortunately, insurance still doesn’t cover food comas or awkward family conversations at dinner.
From All of Us at StreetSmart Insurance
The holidays should be about joy, rest, and peace of mind. A quick review of your coverage now can help ensure nothing unexpected interrupts your season.
If you have questions before our holiday closure or would like us to review your policy, our team is happy to help.
Wishing you and your loved ones a safe, joyful, and happy holiday season.
— The StreetSmart Insurance Team