This is a portion of a post that originally ran on Insurance.com.
Thanksgiving Day is a time to celebrate with family and friends, a chance to carve out some quality time to eat, drink and be merry.
Unfortunately, it can also be a time of fires, slips and falls, or even food poisoning. If your feast goes foul, knowing what your home insurance covers will help.
Nobody ever expects their Thanksgiving celebration to result in a call to the fire department or a trip to the emergency room, but it does happen. And, unless you are adequately protected by homeowners insurance, Thanksgiving could end up costing much more than the price of a turkey and fixings.
Let’s take a look at some of the most common Thanksgiving and holiday party mishaps and review the role insurance plays in covering a cornucopia of calamities.
WHEN BUTTERBALLS BECOME FIREBALLS
Thanksgiving is always busy for firefighters. According to the National Fire Protection Association (NFPA), Thanksgiving is the peak day for home cooking fires for which unattended cooking was the leading contributing factor. There are more than three times as many home cooking fires on Thanksgiving Day as on any other day of the year.
The U.S. Fire Administration statistics show an estimated 2,400 residential building fires on Thanksgiving Day every year between 2014 and 2016, the most recent study. These fires resulted in five deaths, 25 injuries and an astounding $19 million in property loss. The data shows that cooking is the leading cause of fires on Thanksgiving, with 76.5% of turkey day fires.
It turns out that cooks are responsible for a majority of home fires in the U.S. year-round. They account for almost half (49%) of all home fires nationwide, as well as 45% of home fire-related injuries. Unattended cooking (don't get distracted by family and friends) is the leading cause of home cooking fires and fire-related deaths.
Turkey fryer firesIf you are forgoing the oven this year and breaking out the turkey fryer, expect the danger to increase. According to the NFPA, deep fryer fires cause five deaths, 60 injuries, destroy 900 homes and cause over $15 million in property damage every year.
Here are a few tips if you are taking the plunge (into hot oil) and frying up a turkey this year:
OVEN AND RANGE FIRES
While fryers are indeed a significant fire hazard, they are not the only thing causing Thanksgiving blazes. NFPA stats show that throughout the year (not just Thanksgiving specific), ranges accounted for 62% of home cooking fire incidents while ovens accounted for 16%.
Fires can quickly spread out of control, causing both injuries and damage to your home. You should always call in the professionals if you have a fire; over half (55%) of reported non-fatal home cooking fire injuries occurred when the victims tried to fight the fire themselves.
Does home insurance cover Thanksgiving fires?When it comes to homeowners insurance, the dwelling coverage of your homeowners insurance will step up to help cover the cost of repairing (or rebuilding if the fire really gets out of hand) your home.
When buying homeowners insurance, you should get enough dwelling coverage to match your home's full replacement cost. The cost to repair damage to your home or rebuild it completely at equal quality — at current prices – is the replacement cost.
Dwelling coverage not only protects your home, but it also extends to your garage, sheds and any other outbuildings on your property, so if you manage to burn down a detached garage with a turkey fryer, you should be covered.
Another component of your homeowners insurance may also be called into service if someone is injured on your property. Your liability coverage will help pay the medical bills if your turkey fire manages to injure a guest or neighbor. We will get into more about liability coverage soon but suffice it to say that carrying the proper amount of liability coverage is an absolute necessity.
For a very different type of insurance in 2020, Whole Foods is offering their Thanksgiving Turkey Protection Plan this year to help people out if they accidentally burn the turkey. If you purchased your bird from Whole Foods between November 11th and 22nd and have a cooking fail, they'll give you a $35 gift card to replace the turkey if you're within the first 1,000 customers to "file claim".
TOXIC TURKEY: I POISONED MY GUESTS. WHAT NOW?
As a Thanksgiving host, you carry liability risk if a guest is sent to the hospital due to your cooking.
"If a guest at your home contracts food poisoning, you can be held liable," says Christopher Earley with the Law Office of Christopher Earley.
There are no Thanksgiving-specific statistics on food poisoning. Still, the Centers for Disease Control and Prevention (CDC) estimates that foodborne diseases make one in six Americans, or nearly 48 million people, ill each year. These illnesses hospitalize more than 128,000 people and kill over 3,000.
According to the CDC, if any of these symptoms present themselves after downing your Thanksgiving meal, you may have food poisoning:
DOES HOME INSURANCE COVER FOOD POISONING?
While most food poisoning cases resolve themselves after a day or two, in some cases, it can turn serious and if it does, your insurance should help out.
"Your homeowners general liability policy should protect you. This coverage will pay for medical bills, lost wages, and pain and suffering associated with food poisoning. If there is a lawsuit filed, your carrier will cover the costs of the litigation and will also provide you with legal representation," says Earley.
It is important to note that liability coverage only covers those visiting your home, but not you or other household members.
The liability portion of your policy will cover a variety of issues, not just food poisoning. It will typically cover:
A standard homeowner policy provides $100,000 in liability coverage, but you can up this figure and most industry experts recommend doing just that. "Personal liability insurance is incredibly affordable," says Travis Biggert, with HUB International. "We recommend base limits starting at $300,000 on your homeowners policy with a $1 million umbrella policy which will kick in when your personal liability limits are reached."
As an example, a home insurance rate analysis by Insurance.com shows that bumping up your liability limits from $100,000 to $300,000 costs just $18 more, on average, for a policy with $200,000 in dwelling coverage and a $1,000 deductible.
For a policy with $200,000 in dwelling coverage and a $1,000 deductible:
To get an idea of what your cost would be to increase dwelling and liability limits with various deductibles, use our average home insurance rates tool that shows premiums by ZIP code for 10 different coverage levels.
Another portion of your policy covering food poisoning is your medical payment coverage, which is similar to liability but has lower limits and pays out regardless of fault.
If you end up serving undercooked turkey and guests get a case of food poisoning, their medical expenses could be covered if you have medical payment coverage on your homeowners insurance policy. This coverage applies to the costs associated with injuries sustained by guests, regardless of who is at fault. This coverage might be applied toward medical expenses for those not living at the property and the limit varies by state and insurance company, but typically ranges between $1,000 and $5,000 per person.
Despite the fact that the CDC doesn't have exact stats on Thanksgiving poisonings, they do offer the following tips for safe food handling on turkey day:
If your guests end up in the emergency room due to your holiday meal, your homeowners insurance should step up to help out. "Your homeowners general liability policy should protect you. This coverage will pay for medical bills, lost wages, as well as pain and suffering associated with the food poisoning. If there is a lawsuit filed, your carrier will cover the costs of the litigation and will also provide you with legal representation," says Earley.
Thanksgiving is a wonderful time of year for many. It is a time to enjoy good food, good friends and good fun. But it does not come without risks. It's not difficult to minimize your risk at Thanksgiving by merely taking a few precautions and familiarizing yourself with local laws. Do your research, be prepared, make sure you have adequate homeowners insurance, and finally, be responsible.