As the holiday season draws near, insurance agents have a unique chance to help homeowners prevent common risks that often lead to costly claims. With colder weather setting in and homes buzzing with decorations and cooking, fire and water damage claims tend to spike. However, many of these problems can be avoided with simple, low-cost precautions.
Angela Orbann, vice president of property product management at Travelers, emphasizes the important role agents play in supporting homeowners. By offering advice that helps prevent damage before it occurs, agents can build stronger, more trusted relationships with their customers.
Data from Travelers shows that while fires don’t happen as often as other issues, they cause the most expensive and disruptive damage. The holidays increase fire risks because homes are filled with lights, candles, and heavy electrical use from cooking. Simple reminders—such as turning off holiday lights when not home, never leaving food unattended, and avoiding overloaded outlets—can go a long way in keeping homes safe.
Water damage is even more common, often caused by issues inside the home rather than storms. Problems like frozen pipes, worn appliance hoses, and leaks in plumbing can be prevented by knowing where the main water shut-off valve is, keeping the home warm during winter, and inspecting appliances regularly. These prevention tips are especially important as many families travel during the holidays.
Many insurance agencies notice a drop in customer engagement in the last quarter of the year. Sending out seasonal safety tips offers a helpful way to reconnect. Whether through a quick call, an email, or a newsletter, agents can remind clients about important safety steps without demanding much time or effort. This kind of outreach not only protects homes but also shows that agents care.
Using modern data tools, agents and insurers can highlight specific risks, such as aging roofs or tree branches near homes. Sharing this information encourages homeowners to check their properties and take action where needed. Such conversations can also open doors to reviewing insurance coverage and discussing options that fit changing needs.
Overall, the holiday season presents a perfect opportunity for insurance agents to become key advisors, helping families avoid damage while building trust through thoughtful communication. Simple reminders and practical advice now can prevent headaches and heartaches later on.