Ah, the holiday season—a magical time when palm trees twinkle with festive lights, neighbors swap seashells for ornaments, and the warm Gulf breeze serves as a reminder that snow is purely optional. While you’re decking the halls and savoring the season’s joy, it’s also the perfect moment to think about safeguarding your greatest gift: your home.

Here’s how to keep your property insurance in check and your holidays stress-free.

1. Review Your Insurance Policy—Santa Would Check His List Twice, and So Should You

Before you dive into holiday prep, take a moment to revisit your property insurance policy. Are you fully covered for any surprises, like an overzealous neighbor’s drone crashing into your patio? Make sure your coverage includes:

  • Wind and storm damage: Winter in Venice may not bring blizzards, but strong winds and unexpected weather can still happen.
  • Liability coverage: Hosting holiday soirées? Double-check your policy to ensure adequate protection for accidents or injuries on your property.

2. Deck the Halls—Safely!

Twinkling lights and inflatable snowmen make your home the envy of the neighborhood, but they can also be hazards if not installed properly.

  • Inspect your lights: Check for frayed wires or broken bulbs before stringing them up.
  • Don’t overload outlets: While it’s tempting to go full Griswold, too many plugs in one socket can lead to power surges or fires.
  • Turn off lights when unattended: Whether you’re sleeping or out enjoying a holiday parade, ensure all decorations are unplugged.

3. Protect Your Home While You Travel

Many Venice residents take advantage of the holidays to visit family up north—or sneak away for a quick Caribbean getaway. If you’re leaving your property unattended:

  • Install a security system. Smart cameras and alarms can keep your home safe from unwanted holiday visitors (and no, we don’t mean Santa).
  • Ask a trusted neighbor to keep an eye out. They can collect your mail and ensure your home doesn’t look unoccupied.
  • Use smart lighting: Timed lights give the impression someone’s home.

4. Prepare for Florida’s Unique Winter Risks

Florida may not get snow, but we have our own seasonal challenges:

  • Windy conditions: Strong winds can cause debris to damage roofs or windows. Ensure your policy covers windstorm damage.
  • Flood potential: Even in winter, flooding can occur. If you don’t already have flood insurance, now’s a great time to consider it.

5. Make a Holiday Inventory

The holidays often mean new gadgets, heirlooms, and gifts. Take a moment to:

  • Document new items: Snap photos and save receipts for big-ticket items.
  • Update your coverage: Make sure your policy reflects any significant additions to your home’s contents.

6. Call Your Insurance Elf (That’s Us!)

If all this insurance talk feels a bit overwhelming, don’t worry—we’re here to help. Whether you’re updating your policy or just have a quick question, our team is ready to make sure you’re covered this holiday season. After all, peace of mind is the best gift you can give yourself.

7. Spread Holiday Cheer Safely

Finally, remember that safety and insurance preparedness are gifts you give yourself. By taking a few proactive steps, you can relax and enjoy all that our community has to offer during this magical season—from lighted boat parades to strolling through the charming Venice downtown.

Let’s make this holiday season merry, bright, and worry-free. If you have any questions about your policy or need assistance updating it, Joyner Family Insurance is here to help. Wishing you and your family a joyful and safe holiday season!