Protect your valuables this holiday season

The holiday season is hectic. Between travel, lodgings, gift buying, cooking and other moving parts, the chance for an accident or issue to occur increases. Slippery walkways due to unexpected winter storms, an expensive item being broken during the most lively moment of the holiday party or a prized piece of jewelry cracking in transit are all common scenarios that are easier to navigate with the right insurance. 

That's why we recommend expanded home and renters insurance to members so that they're protected in a worst-case scenario. Here are a few ways to use insurance to keep your peace-of-mind safe during the holidays. 

Start or update your home and renter's insurance 

Chances are you already know the expensive items in your home. Whether it's an entertainment system, fine art or anything in between we all own items that are harder and pricier to replace. If you already have home or renters insurance then ensure your newest items are covered by checking online or contacting your insurance provider. If you're new to home or renters insurance then consider taking inventory of your posessions and getting a quote for coverage.  

OCCU offers expanded home and renters insurance in the form of liability insurance. 

It's important to note that liable, liability, etc., means to be at fault or to blame for something. Also, unlike full coverage insurance, deductibles do not apply to liability. 

While standard homeowners and renters' insurance can protect your valuables, OCCU offers certain policies that can be written to specifically cover your expensive items from "open peril" incidents. Liability insurance can be scheduled to cover set periods. If you know your most prized valuables are most in peril during the holiday season then you have the option of only insuring them for that period of time. 

Is liability insurance right for me?

While we recommend homeowners and renters insurance as a minimum, special liability insurance may not be right for everyone. It's a good choice for homeowners who throw regular events, as liability insurance can protect against bodily injury. It's great for homeowners whose home is filled with the finer, more expensive things in life and for homeowners who are still paying off furniture, electronics or other large purchases.

How do I get covered?

Getting homeowners, renters or liability insurance is a straightforward process. Reach out to our insurance team today to explore your options.