New Jersey Home Insurance

Tips for Holiday Safety That Can Also Save You Money on Your New Jersey Home Insurance

It’s smart to have complete New Jersey home insurance coverage. Insurance can get your life back to normal faster when you suffer a loss.  It’s always best to avoid problems that can lead to a New Jersey home insurance claim, however, because a fire in your home can cost you more than just money.


A good place to start when you’re looking to make your home safer is the Christmas season. Christmas Eve and Christmas Day are the two most common days of the year for house fires in the United States. Take these steps to make your house safer for the holiday season, and you’ll be safer throughout the year. You might even qualify for discounts on your New Jersey home insurance.

Turn Off Your Lights When You’re Asleep

It’s tempting to leave decorative holiday lights on overnight, but it’s a bad idea. If you suffer an electrical short that could lead to a fire, you’ll be able to do something about it if you’re awake and alert. When you’re asleep, a small problem can quickly get out of hand. Many Christmas decorations are used only once a year, and they can degrade quickly if they’re stored in very hot places like attics. Newer lights use LED technology to save energy and stay cooler, so you might want to consider replacing very old decorative lighting in any case.

Have Enough Smoke Alarms

There’s no more important piece of safety equipment in your home than working smoke alarms. Many older homes don’t have enough smoke alarms to be fully effective in alerting you to a fire, especially during the holidays. Christmas decorations that can lead to fires are sometimes displayed in out-of-the-way spots in your home, far from the nearest smoke alarms. Make sure you have a smoke alarm on every level in your house, and one in every bedroom and common room.


Older smoke alarms lose their sensitivity over time, and should be replaced if they’re more than 10 years old. Consider having all the smoke alarms wired together on one house circuit. They’ll all sound if any of them goes off, which is much more likely to alert you to a problem. Having hard-wired smoke detectors will often qualify you for a New Jersey home insurance discount.

Water Christmas Trees Daily

If you have a fresh Christmas tree, you should never let it dry out. Make sure to top off the water in the tree base daily, and check the needles for signs of drying by pulling them through your hand. Don’t put your discarded tree outside against the house when the season’s over, either. It burns fiercely once it’s dried out.