5 Overlooked Personal Insurance Gaps Families Face This Fall and Holiday Season

Fall is here — which means cooler weather, pumpkin picking, and Halloween fun. It also kicks off months filled with gatherings, travel, and gift-giving. Whether you’re hosting trick-or-treaters, throwing a fall get-together, or preparing for the holidays, now is the perfect time to review your personal insurance. Many families overlook key areas of coverage that could make all the difference if the unexpected happens.

Here are five insurance gaps to check before the season gets busy:

1. Homeowners’ Coverage for Guests & Trick-or-Treaters

From Halloween visitors walking up your driveway to guests arriving for a Thanksgiving dinner, more people on your property increases the chance of slips, trips, or accidents. Make sure your liability coverage is up to date to protect your family if someone gets hurt.

2. Auto Insurance Before Fall & Holiday Travel

Fall festivals, school events, and holiday road trips mean extra miles on your vehicle. Reviewing your auto policy now ensures you’re protected for fender benders, breakdowns, or roadside emergencies during this busy season.

3. Jewelry & Valuables Coverage

The holiday season often brings new gifts like jewelry, electronics, or collectibles. Standard homeowners’ policies may not fully cover these high-value items. Adding a personal articles policy or endorsement ensures new treasures are properly protected.

4. Flood Insurance for Seasonal Storms

Heavy fall rains and early winter storms can cause unexpected flooding — even if you don’t live in a high-risk zone. Flood insurance provides peace of mind when unpredictable weather puts your home at risk.

5. Umbrella Coverage for Extra Protection

Hosting parties, traveling more, and welcoming more people into your home all increase your liability exposure. An umbrella policy adds an extra layer of protection above your home and auto insurance — often at an affordable cost.

Protect What Matters Most This Season

From spooky Halloween nights to holiday gatherings, the months ahead should be about enjoying time with family and friends — not worrying about insurance surprises. At BIS Improved Insurance Agency, we help families across New Jersey review their coverage so they’re ready for every season.

👉 Call us at 973-683-1000 or visit bisrm.com/contactus to schedule your free insurance review today.