Home Home insurance Home Insurance Basics Insurance coverage for holiday catastrophes you’ve seen in the movies Insurance coverage for holiday catastrophes you’ve seen in the movies Written by: Jennifer Shelton | Reviewed by: Les Masterson Les Masterson Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics. | Updated on August 13, 2021 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. During a normal holiday season, most of us are aglow with the generous spirit of the season — after some hurried shopping and several runs to the grocery store. Whether this year you are able to spend time around the table with loved ones or are only able to meet up online to exchange thoughtful gifts, we wish you quality time with friends and family. Perhaps you’ll find the perfect winter night to snuggle up on the couch and relish some holiday movie classics. While you might get the warm fuzzies watching “White Christmas” or “Miracle on 34th Street,” a whole new generation of holiday classics shows us the calamity of the Christmas season. And while one hopes nobody actually has to endure the disasters that occur in these movies, they sure are entertaining to watch! But in the real life, would insurance cover that? Here are some favorite holiday movie disasters that, fortunately, are covered by home or auto insurance: Injury on your property The Wet Bandits in “Home Alone” were in for quite the surprise when 8-year-old Kevin McCallister defended his family’s home from invasion. While the traps that the two burglars suffer are likely beyond what anyone could actually survive, it’s certainly realistic to think that someone could slip on an iced-over walkway causing an injury accident on your property. What then? Your homeowner’s insurance policy’s liability protection covers you against lawsuits in the event of someone falling and injuring themselves on your property. Policies also include a medical payments provision (usually referred to as guest medical or medical payments to others), which can be used for medical expenses of those who receive minor injuries. The medical limits are typically low, $1,000 to $5,000, but if you’re sued for more because of the fall, your insurer would pay for your legal defense and settlement (up to your liability limits). The Insurance Information Institute recommends you buy at least $300,000 worth of liability protection. If you have multiple homes or an expensive home, you may want even more. You could even buy an umbrella policy of $1 million or more to protect you. Key Takeaways Your homeowner’s insurance policy covers many of the mishaps that can happen during the holiday season, but you should know about the limits and restrictions of your policy. Medical payments are covered if your guest slips and falls on your property, but the limits are low (typically $1,000 to $5,000). You should buy at least $300,000 of liability protection to pay for your legal defense and settlement amount if you are sued as a result of injury on your property. Your homeowner’s policy pays for structural and smoke damage to your house in the event of fire. It also pays for additional living expenses if you are unable to live there after a fire. If the limits of your homeowner’s or auto insurance policy are exceeded, an umbrella policy is designed to add extra insurance protection. Christmas tree fire Clark Griswold would like to be considered the King of Christmas in “Christmas Vacation,” but when Uncle Lewis lights his cigar close to the dried-out Christmas tree, the tree becomes more of a torch. Fortunately, the fire is kept under control, but what if that happened in real life? Whether your home sees smoke damage, structural damage or other property damage from a Christmas tree fire, your home insurance will protect you. Homeowner’s insurance coverage pays for damages or destruction by fire and other disasters listed on your policy for the structure of your home. Any gifts or household items destroyed in the fire would be covered by the personal belongings coverage portion of your home insurance policy. A homeowner’s policy also includes coverage, additional living expenses, for some of the unexpected costs of living away from your home if you’re unable to live there after a fire. Falling off the roof In “The Santa Clause,” Scott Calvin receives the honor of putting on the famous red suit after the previous Santa Claus falls off his roof. But what happened to the jolly, old man who fell off the roof? In the movie, he simply fades away, but an injury like that isn’t going to fade away anytime soon. If someone other than a resident of the house falls off the roof, your homeowner’s insurance coverage (under guest medical) will cover it. If you hired a professional Christmas light installer, the business should have a general insurance policy or worker’s comp policy that will cover the fall and resulting injuries. It’s a good idea to make sure they have their own insurance before they start work. If you fall off your own roof, you’ll need to look to your own health insurance coverage. Homeowners policies don’t cover injuries to you or members of your household. Normal medical insurance deductibles and co-payments apply, so think twice about your ability to balance and string lights on your roof before climbing the ladder. QuickTake How to find a homeowners insurance policy Guide to additional living expenses coverage Homeowners insurance basics How to create a home inventory list Does homeowners insurance cover theft? Why you should hire a public insurance adjuster Do I need homeowners insurance? How to shop for homeowners insurance in five steps What does homeowners insurance cover? Home insurance inspection: how to prepare a checklist How can I get homeowners insurance after non-renewal? Can a homeowners insurance company drop you? Guide to home insurance for new construction The basics of title insurance How to read your homeowners insurance policy 11 astonishing things covered by home insurance Home insurance exclusions: What does homeowners insurance not cover? Working from home: The remote worker's guide to insurance Your guide to home insurance deductibles Types of homeowners insurance How much home insurance do I need? Home insurance: How to avoid being underinsured How to switch home insurance 15 ways to save on home insurance Pay more, get less: Percentage-based deductibles Oh, you mean him? Why you should tell your insurer about your roommate Should you carry an umbrella insurance policy? How much should I insure contents for a 2,400-square-foot home appraised at $600,000? Our garage is very unstable. Do we have to wait until it falls over to file an insurance claim? It is a hazard! Hidden home insurance loopholes can shock you See more > Car stripped In case you need another reason to stay home in your sweats and do the Christmas shopping online, learn from Howard Langston in “Jingle all the Way.” Howard is in pursuit of Turbo Man, the year’s hottest toy, on Christmas Eve. After a series of frustrating shopping encounters and “Best Dad” rivalries, he finds his car stripped down by car thieves and is forced to return home empty-handed. This major setback in the search for the perfect toy is covered by your auto insurance’s comprehensive coverage. It covers your car if it is stolen or thieves steal parts. An insurer may consider your vehicle a total loss if thieves steal parts and equipment. In that case, the insurer may pay you the actual cash value for your vehicle. Food poisoning While Buddy the Elf doesn’t actually give anyone food poisoning in “Elf,” a breakfast made of spaghetti, maple syrup, sprinkles, mini-marshmallows, Hershey’s chocolate syrup, M&M’s, and Frosted Chocolate Fudge Pop-Tarts would surely take a toll. Luckily, his new-found family doesn’t seem to get much more than a stomach ache from his cooking. So, what happens if one of your guests ends up with food poisoning from your signature dish? Your home insurance policy’s liability protection, under guest medical or medical payments to others, covers you if you were negligent in preparing the meal. The medical payments provision of a homeowner’s policy has limits typically of $1,000 to $5,000 that you can tap into. If you’re sued because of the meal, your insurer would pay for your legal fees plus any settlement (up to your home insurance liability limits). Items stolen from home Gus couldn’t have stumbled upon a worse house to break into in “The Ref.” He simply wants to burglarize a few homes in a high-end neighborhood and abscond to the Caribbean. His situation quickly becomes dire and he’s forced to take hostage the most antagonizing, exhausting, quibbling married couple to secure his escape. How can your insurance help if your home is burglarized before the holiday and your gifts are stolen? Luckily, a standard homeowner’s insurance policy covers damage to your home and the theft of your possessions, including gifts. You would need to file a police report and make any emergency repairs that protect your home from further damage. So if it’s snowing outside and the thief broke a window, cover it with wood or a tarp to keep the elements from coming in and causing more damage to your home. Structural damage to the house For most people, a car smashing through the wall of their holiday-decorated front room would be far-fetched, but for police Sergeant Murtaugh in “Lethal Weapon,” it was just another day at the office. In the movie, Murtaugh himself sends the car to collide with the house to distract the bad guys, so let’s look at two scenarios: If you caused your own car to run into your living room, you’re out of luck with both your car insurance and home insurance, as intentional damage will get your claims denied. Purposely damaging your own property is excluded from both types of insurance coverage. If someone else accidentally ran a car into your living room, the driver’s property damage liability portion of their car insurance would cover the damage to your home, up to their limit – which you would hope would be high. For their own car, it would be collision coverage. If the person didn’t have car insurance, you could make a claim against your home insurance policy; the structure coverage would pay for repairs, minus your deductible. Peace on Earth — and of mind Should one – or several – of these unfortunate scenarios occur this season, there is one thing you’ll wish that Santa had left in your stocking: Umbrella coverage. Umbrella coverage kicks in should the limits of your auto or homeowners insurance policy be exceeded and provides an extra cushion of insurance protection. This would come in handy if someone was injured on your property, for instance in an unfortunate deep-fried turkey incident and decided to sue you for an amount that exceeded your insurance limits. Umbrella coverage covers the additional amount, up to that policy’s limit. Umbrella coverage is relatively inexpensive for the amount of extra personal protection it provides. Insurance policies not only protect you in the event of an unfortunate situation, but they can also provide you valuable peace of mind, so you can focus on what really matters. This holiday season, perhaps watch a couple of these festive films with your family and thank your lucky stars that you probably won’t be experiencing a Christmas like this – nor dealing with the hefty insurance premiums after such claims. And, if you’re not sure if you have the right coverages for any mishaps you may have this winter, try out our Insurance Advisor for a checkup of your insurance portfolio. In case you missed it What is HO-6 insurance? Average home insurance cost in 2023 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: 14 key questions answered Replacement cost policies for your home: Getting what you pay for How much do claims increase home insurance rates? Mobile home insurance: What does it cover and how much does it cost? Homeowners insurance basics Home Insurance Advisor The Best Cheap Homeowners Insurance of 2021: Guide How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home Insurance Discounts Guide to dog liability insurance: cost and coverage Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Personal liability insurance: What it is and why you need it By Barry Eitel Cost of living comparison by state By Chris Kissell How to find a homeowners insurance policy By Shivani Gite Home replacement cost calculator By Nupur Gambhir Renters insurance calculator: Estimate cost by state or city By Shivani Gite Mobile home insurance: What does it cover and how much does it cost? By Chris Kissell Table of contents Injury on your property Christmas tree fire Falling off the roof Car stripped Food poisoning Items stolen from home Structural damage to the house Peace on Earth -- and of mind Get instant quotes now ! Please enter valid zip Get Quotes