Holiday Decorations and Fire: What Home Insurance Covers

1

Home insurance commonly covers accidental fire damage, subject to policy terms.

2

Building, belongings, and temporary living costs are separate coverage questions.

3

Keep heat sources away from items that can burn and follow product instructions.

4

After a fire, prioritize safety and document losses when reentry is permitted.

Are decorations stored in a garage covered?

They may fall under personal property coverage, subject to the policy, cause of loss, deductible, and limits. Storage location and any special restrictions should be checked.

What if a guest is injured during a holiday gathering?

Medical payments or liability provisions may be relevant, depending on the circumstances. Seek necessary medical help, document the event, and notify the insurer without promising a particular settlement.