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A Rundown of the Season’s Dangers — and Why You Need Insurance For Holiday Hazards

Posted on November 30, 2011

It’s the most dangerous time of the year, but NYC home insurance can protect you, loved ones and precious gifts

Christmas lights are beautiful but can be dangerous, too, if you're not careful. From 'Arriva436,' Wikimedia Commons.

The very things that fill our minds with lovely holiday images — candles in the windows, fowl in the oven, houses bedecked with lights — can, sadly, touch off disaster.

Any of the above can start a fire, the most common and costly kind of holiday-related mishap. Each winter, an estimated 108,400 residential building fires start in the United States, killing nearly 1,000 and causing $1.7 billion in property damage, according to the U.S. Fire Administration. The holidays bring other risks, too: injury from hanging decorations in the home, for example.

It’s always wise to review your homeowners’, co-op and condo and other renters’ policies, and your liability coverage, to make sure you’re covered for any holiday hazard. It’s smart to take some common-sense precautions, too:

A decorated Christmas tree is a delight for adults and children, but take care breakable ornaments are hung high and secure on the tree. Public domain photo, Wikimedia Commons.

We at Gotham Brokerage Co., Inc., have been through a lot of holiday seasons in the city, and we know the special hazards holidays can bring — and happiness, too. Knowing you’re covered for any possibility is one of the keys to being able to sleep in heavenly peace during the season. If you’re unsure about your coverage, check us out at, or call or email us, and we’d be happy to provide you with a quote — and that all-important holiday peace of mind.

Jeff Schneider
(212) 406-7300

Gotham Brokerage Co., Inc. is a family run insurance brokerage serving New Yorkers for over 50 years. We specialize in the insurance needs for those living in the city and provide a full range of insurance products designed specifically for the city.