The perfect recipe for peace of mind this Thanksgiving

With the holidays approaching soon, you're likely extra busy planning your special dishes and potentially packing for your journey. But between the busy kitchen, extra guests and travel plans, the holiday season comes with common risks that could turn your celebration into a claim. Understand the risks now to prevent unexpected expenses.

Don't get burned this holiday

According to the National Fire Protection Association (NFPA), “Thanksgiving is the peak day for home cooking fires with more than three times the daily average for such incidents.” Keep these safety tips in mind to avoid a visit from your local fire department:

• Never leave cooking unattended: Turkey fryers are especially dangerous. Keep them outdoors, away from structures and monitor them constantly. Set timers for the oven and stay in the kitchen.
• Keep your area clear: Maintain a "kid-free zone" of at least three feet around the stove. Keep dish towels, wooden utensils and packaging away from heat sources.
• Have a fire extinguisher ready: Make sure you have a working fire extinguisher and know how to use it. Never use water on a grease fire.

When hosting guests, be prepared

Most homeowners insurance policies include liability coverage, but it’s best to take steps to prevent the potential for injury in the first place. If you plan to host guests, inspect your property carefully, checking for loose handrails, uneven walkways and any other hazards.  

In some states, you could be held liable if an intoxicated guest causes harm after leaving your home. Monitor alcohol consumption responsibly, arranging for safe transportation when needed.

Travel smart

Thanksgiving is one of the busiest travel periods of the year. Before you leave the house:

• Review your auto insurance: Confirm you have adequate coverage for any road trips and who to contact if an accident occurs.
• Protect your empty home: Charge your cameras, use timers for lights and ensure all doors and windows are locked.

By preparing your home, practicing kitchen safety and reviewing your coverage, you can focus on spending time with the people you care about most. From our family to yours, have a safe and happy holiday.