Tag Archives: gifts

Keeping You and Your Family Happy and Safe This Holiday Season

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The holiday season is officially here! This is an opportunity to spend quality time with your family and reflect upon the past year’s blessings. As you look forward to laughing, singing, and having fun with your loved ones, allow us to help you prepare with some safety reminders to ensure this holiday season is a happy and healthy one.

Prepare your home for travel: Whether you are logging long hours shopping for gifts at the mall or making a trip to see an out of town family member, it’s important not to tip off thieves and suggest you aren’t home. Nationwide offers various suggestions as to how you can discourage in-home theft. This will help prevent you from giving a burglar easy access or a green light to come in.

Be smart when shopping for gifts: While we may be past the Black Friday and Cyber Monday crazes, the holiday shopping continues all month long. Think Glink discusses the importance of setting (and sticking to) a budget and taking advantage of free shipping offers from notable retailers. As stores get crowded, choosing to ship will keep you off the hectic roads and help you save money on gas.

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Put a smile on their face with safety: In addition to being safe as the holidays near, exchanging gifts can present you and your loved ones with an opportunity to set the tone and practice safety all year round. AllState provides a comprehensive gift guide, complete with budgeted ideas for those who enjoy spending time at home, on the road, and outdoors.

Create a bright and starry display in a safe way: When getting into the holiday spirit, you may find fun in outdoing all your neighbors with a festive display outside or entertaining your family members inside. Either way, you can take precautions when putting up decorations. Travelers outlines potential solutions for you, including LED lights, battery operated candles, and more.

Wherever you go this holiday season, we also encourage you to be safe on the road. Happy Holidays!

Are Your Holiday Gifts Insured?

present_pileThe shopping season is in winding down right about now, and your loved ones have received all their gifts. Whether it is a new gaming system, new shoes, a big screen TV, a new iPhone or laptop,  special jewelry or a trip for 2 to a ski resort or sunny spa for a week, you may want to be sure that these gifts are protected by insurance if something unfortunate were to happen to them.

Does your Homeowners Policy cover any or all of these items while in your home BEFORE you give them away as gifts?  Do you have a Floater Policy (aka Inland Marine Policy) to add that special valuable jewelry item you received from your loved one? Did you purchase Travel Insurance for that exciting trip?

An Inland Marine policy or Floaters policy can cover those valuable gifts such as computers, fine arts, furs, golf equipment, jewelry, music instruments, and even camera equipment for All Risk, World Wide coverage with no deductible when scheduled on this type of policy.

Your Homeowners insurance may provide some coverage as well; however, every policy offers different features. A simple call to your agent can give you the detailed information you need to be sure.

Travel Insurance can protect you and your passenger should you need to cancel the trip due to a sudden illness that prevents you from going.  Or when on the trip, is an accident, sickness or injury covered by your current health insurance if you leave your home state? What if you require to be evacuated or airlifted for care – would your health insurance cover that expense? And if your trip was cut short due to a sickness or injury, would you get reimbursed to travel again at a later time?  You can have all of these situations covered with the right insurance.

Receiving electronics for the holiday is an awesome gift as well; however, will your homeowners or renters policy automatically cover it?  Every insurance company has their own interpretation of coverage and a call to your agent is strongly suggested to be sure you understand any limitation in your policy or instructions on what to do to protect your precious gift.  Sometimes purchasing the protection right from the electronic vender is the simplest and most economical way to get the best protection.

We hope you received all the gifts on your wish list this Holiday season! Keep Insurance on your list as well.  Do not hesitate to contact us if you have any questions at 718-386-5050 or info@jpins.com.