Check homeowner’s policy to protect guests from the Grinch

Every Who Down in Whoville Liked Christmas a lot...But the Grinch, who lived just north of Whoville, Did NOT!

It’s Christmas and you’re hosting the annual family gathering. Everyone’s packages are piled in festive mounds around the tree, and overnight guests have dropped their bags in the upstairs bedrooms. But before it’s time for presents and pie, the whole family heads out for an evening service or an afternoon at the snow hill.

What happens if the Grinch pays a visit while you’re gone and swoops up all the bags and boxes? Who pays for the Xbox from Grandpa to cousin George? And what about the iPad that disappeared from Aunt Alice’s backpack?

Then he slithered and slunk, with a smile most unpleasant, Around the whole room, and he took every present!

Theft is a common insurance claim around the holidays. (But so too are fires and water damage from frozen pipes.)  If you have the MILE-STONE® homeowner’s insurance policy from SECURA, your guests’ belongings are covered, should any of these holiday disasters hit.

Check with your insurance agent to ensure your policy offers the same kind of coverage. Some policies include coverage for guests by default, but others require special coverage via a special rider.

Be aware that your homeowner’s policy only covers guests (including relatives staying for an extended period). Items belonging to a paying roommate or tenant would not be covered. 

Take care of your guests and foil any green old Grinch who might come calling this year. Make sure your homeowner’s policy extends to the friends and family visiting your home. Call your SECURA agent to verify coverage today.

He brought back the toys! And the food for the feast! And he, HE HIMSELF! The Grinch carved the roast beast!

With excerpts from The Grinch Who Stole Christmas, by Dr. Suess.