Thanksgiving brings people together, but it can also bring some unexpected mishaps! Fortunately, many insurance policies cover common Thanksgiving accidents. Here’s a rundown of what types of incidents might be covered:
Kitchen Fires and Cooking Accidents
- Homeowners Insurance: If a kitchen fire or cooking accident damages your home, your homeowner’s policy typically covers fire damage, smoke damage, and repairs. This includes damage to the structure of your home and often extends to damaged appliances or countertops.
- Personal Property Coverage: If a fire damages items in the kitchen (e.g., furniture, electronics nearby), these can also be covered under your personal property protection.
Injury to Guests
- Liability Coverage (Homeowners Insurance): If a guest is injured in your home (e.g., they slip on a spill or hurt themselves while helping in the kitchen), your homeowner’s liability coverage can help with their medical expenses and protect you from potential lawsuits.
- Medical Payments to Others: homeowners policies also have a “medical payments to others” section, which may cover smaller medical expenses regardless of fault.
Car Accidents
- Auto Insurance (Comprehensive and Collision): Thanksgiving often means more traffic, road trips, and the potential for accidents. Collision coverage can help with repairs if you’re in a car accident. Comprehensive coverage can cover damages caused by animals (like deer, which are more active in late fall) or other non-collision events.
- Liability Coverage: What happens if you’re found at fault for an accident? Your liability insurance will cover damages to others, including their vehicle and medical expenses.
Food Poisoning
- Homeowners Liability Insurance: What happens if you serve food that accidentally causes food poisoning or an allergic reaction? Liability coverage may cover the medical expenses for affected guests, depending on the circumstances.
Thanksgiving accidents can be a hassle, but the right coverage helps protect against major financial setbacks.
At Raymond Nelson Insurance, we go the extra mile to find the coverage that best protects what matters most. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800 or contact us online for more information.