At FirstOntario Insurance Brokers, we believe that peace of mind is one of the most valuable gifts you can give yourself and your family. That’s why we’ve put together 12 practical tips to help you stay safe, secure, and well-covered this Christmas, so you can focus on what matters most.
1. Decorate with Care
Holiday lights and decorations add magic to your home, but they also increase the risk of fire. Always inspect lights for damage, avoid overloading outlets, and use CSA-approved products. Turn off all the lights and decorations before going to bed or leaving the house.
Insurance Tip: Fire damage is typically covered under your homeowners or tenant insurance policy, but prevention helps avoid costly claims and disruptions.
2. Keep Your Tree Fresh and Safe
If you’re using a real Christmas tree, water it daily to prevent it from drying out. Keep it away from heat sources like fireplaces, radiators, and candles.
Why it matters: Dry trees can ignite quickly, and a fire can spread in seconds. A well-hydrated tree is much safer.
3. Candle Safety is Key
Candles are a holiday staple, but they’re also a leading cause of house fires in December. Use flameless LED candles where possible and never leave a lit candle unattended.
Insurance Tip: Fire-related claims are covered, but damage from unattended candles may raise questions during the claims process. Always err on the side of caution.
4. Protect Your Packages
Online shopping is convenient, but it also increases the risk of package theft. Use delivery tracking, request signature confirmation, or have packages delivered to a secure location.
Did You Know? Theft from your porch may be covered under your property insurance, but coverage limits and deductibles apply. High-value items should be scheduled separately for full protection.
5. Test Smoke and CO2 Detectors
Before the holiday cooking and cozy fires begin, test your smoke and carbon monoxide detectors. Replace batteries and ensure they’re functioning properly.
Bonus Tip: Some insurers offer discounts for homes with updated safety systems. Ask your broker if you qualify.
6. Secure Your Home Before You Travel
If you’re heading out of town, make your home look lived in. Use timers for lights, pause mail delivery, and ask a trusted neighbour to check in.
Insurance Tip: Many policies require regular home checks during extended absences. Confirm your policy’s requirements to avoid denied claims.
7. Store Valuables Safely
Holiday gifts like electronics, jewelry, and designer items are attractive to burglars. Store them securely and avoid displaying them near windows.
Pro Tip: Standard policies often have sub-limits for high-value items. Ask your broker about a scheduled personal property endorsement to ensure full coverage.
8. Cook with Caution
Holiday meals bring people together—but they also increase the risk of kitchen fires. Never leave cooking unattended and keep flammable items away from the stove.
Insurance Tip: Fire damage is covered, but frequent claims can affect your premiums. Safe cooking habits help protect your home and your insurance record.
9. Prevent Frozen Pipes
Cold snaps can cause pipes to freeze and burst, leading to costly water damage. Keep your home heated, insulate exposed pipes, and shut off the water if you’re away for an extended period.
Insurance Tip: Water damage is often covered, but only if reasonable precautions are taken. Review your policy to understand your responsibilities.
10. Clear Snow and Ice Promptly
Slippery sidewalks and driveways are a liability risk. Shovel snow promptly and use salt or sand to prevent slips and falls.
Why it matters: If someone is injured on your property, you could be held liable. Your home insurance includes liability coverage—but only if you’ve taken reasonable steps to maintain safety.
11. Keep Receipts and Take Inventory
With all the gift-giving, it’s easy to lose track of what’s new in your home. Keep receipts and take photos of high-value items for your records.
Pro Tip: A home inventory makes it easier to file a claim and ensures you’re not underinsured. It’s a smart habit to start this season.
12. Review Your Coverage Before You Need It
The holidays are a great time to review your insurance coverage. Whether you’ve renovated your home, added new valuables, or just want peace of mind, your broker can help you stay protected.
FirstOntario Insurance Brokers is here to help you navigate your coverage with clarity and care—so you can focus on what matters most this season.
The holidays are meant to be joyful, not stressful. By following these 12 tips, you can protect your home, your loved ones, and your holiday investments. And with the right insurance coverage in place, you’ll have peace of mind to truly enjoy the season.
