Here Are Some Home Insurance Lessons From the Movie 'Home Alone'

Serena Aburahma
· 3 min read
Home Alone is a classic Holiday movie full of good laughs and lots of fun. But as we know, there is a lot of crazy stuff that happened in the film that either could have been avoided or was downright destructive to the property.
Despite the fun shenanigans in Home Alone, it’s always important to keep in mind the safety and longevity of your home. While auto insurance should definitely be a priority, it’s also important to have
home insurance
for your property. 
You can save money on both by
bundling both
as most car insurance carriers offer multi-policy discounts.
Jerry
has all the info you need to know about some of the preventable issues Home Alone and some lessons we could all learn courtesy of
Policygenius
.

Liability issues in ‘Home Alone’

While we know that in Home Alone Kevin intentionally made the stairs slippery and icy to deter Marv, in real life that’s a liability issue. The robbers could have easily sued Kevin’s parents after the incident. So what’s the lesson to be learned here? 
Personal liability coverage
, so if someone is injured on your property you’ll be covered if they decide to sue. 
Most personal liability coverages offer $100,000 or more, but if you live in a hazardous area (like a place with winter storms) or have accident-prone pets you might want to consider maximum liability coverage since you’re more likely to file a claim.
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A major ‘Home Alone’ lesson: extended replacement cost coverage

The damages accrued to the McCallisters' house in Home Alone and the rest of their property (as well as any damages that could affect their neighbors) were sure to be thousands of dollars. 
Extended replacement cost coverage
comes in handy during times like these.
While the coverage is optional, it increases your dwelling coverage from anywhere between 25% to 50%. If you have a house that’s worth $100,000 and you have a dwelling coverage of 25% then your total dwelling coverage would be $125,000.
In the long run, this could save you from paying out of pocket for expensive claims beyond your home’s coverage limits. This coverage comes in especially handy if you live in an area that is at risk of a natural disaster.

How can your neighbors help when you go out of town?

Having a good relationship with your neighbors is a great lesson to learn from Home Alone. It’s always a good idea to have someone watching over your residence when you’re out of town, especially since they live right next door!
Not only can your neighbors tend to your plants or pets, they can also make sure your alarm is set and collect your mail and packages. This makes it look like someone is home and is a great way to deter thieves.

Jerry can help with both home and auto insurance

Whether you have minor damages from an accident at home or a major event that affects your dwelling,
Jerry
is here to help. Both home and auto insurance coverages vary from place to place, so it’s important to shop around to find the best price for what you need.

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