As we approach Christmas Eve and New Year’s Eve — and look ahead to 2026 — now is a perfect time to think not only about Christmas presents 🎁, decorations, and year-end celebrations — but also about protecting your home, your guests, and your peace of mind. After all, the holidays often bring increased risk: more cooking, more decorations, more guests, more travel — and sometimes unexpected accidents or losses.
That’s where MBG Insurance (formerly Millennium Brokers) comes in. MBG makes it simple to review, update, or purchase insurance coverage so you can ring in 2026 knowing you and your loved ones are protected. MBG Insurance+1
🎄 What to Prepare This Christmas Eve & New Year’s Eve
— Safety-Focused Decorating & Holiday Setup
- If you’re putting up a live Christmas tree, keep it well watered and place it at least three feet away from fireplaces, radiators, or candles — dry trees are a common cause of house fires. Forbes+2Sablich Insurance Group+2
- Opt for artificial trees or decorations labeled flame-resistant if possible. Ensure holiday lights and electric decorations are tested and certified (e.g. UL-listed), cords are undamaged, and avoid daisy-chaining multiple extension cords. UL Standards & Engagement+2Travelers+2
- Use battery-operated candles or LED lights instead of open flames; if using a fireplace, schedule a chimney cleaning before the season begins. Forbes+1
— Safe Cooking & Hosting
- Never leave cooking food unattended — cooking fires account for nearly half of all residential fires. U.S. Consumer Product Safety Commission+1
- If frying items outdoors (like a turkey), do so well away from your home or flammable materials. U.S. Consumer Product Safety Commission+1
- Keep fire extinguishers handy; store pot holders, towels, and other flammables away from stoves or ovens. Hettler Insurance Agency+1
— Review Your Insurance Coverage (Home, Contents & Liability)
- The rush of gift giving and holiday gatherings often brings expensive presents, valuable electronics, and more items under your roof. That means more to lose in case of theft, fire, or accidents. Some holiday-season home insurance policies increase contents coverage temporarily — but only if you know to check and declare high-value items. Experts in past years have warned that many people don’t inform their insurer about new gifts — risking a denied claim. The Penny Hoarder+1
- If you’re hosting parties or inviting guests, review your liability coverage. Guests may slip, trip, or accidentally damage something — and you want to ensure you’re covered. The Penny Hoarder+1
- Consider bundling home, auto, and personal property coverage (especially if traveling or receiving many gifts) for simplicity and potentially lower total cost. That’s exactly what partnering with MBG can help you accomplish. MBG Insurance+1
— Plan for Holiday Travel or Out-of-Town Guests
- If you travel over New Year’s Eve — or have family/friends coming from out of town — ensure your auto or rental car insurance is up to date, and that personal property coverage accounts for luggage, gifts, and other valuables.
- If leaving your home unattended, consider adding “vacation coverage” or verifying that your home insurance policy supports unoccupied-home protection.
✦ Why MBG Insurance Makes a Great Holiday Companion
- MBG Insurance offers customizable, independent insurance solutions — not a one-size-fits-all policy. That means coverage is tailored to YOUR home, your lifestyle, and your holiday risks. MBG Insurance+1
- Their team simplifies the process: they shop multiple top carriers for you, help you compare coverage options, and clarify complex jargon — so you don’t have to guess if you’re covered. MBG Insurance
- Getting a quote and updating coverage before the holidays ensures you start 2026 secure and confident: prepared for unexpected accidents, broken decorations, gift theft, or home liability — all while enjoying the season with loved ones.
📝 Holiday-Season Checklist
Before Christmas Eve or New Year’s Eve:
- ✅ Inspect and test all holiday lights, extension cords, and electric decorations
- ✅ Water live tree daily (or use flame-resistant artificial alternatives)
- ✅ Keep candles and heat sources away from decorations or tree
- ✅ Never leave cooking food unattended; keep fire extinguisher nearby
- ✅ Review and update your home and contents insurance — especially if you’re receiving expensive Christmas presents
- ✅ Confirm liability coverage if hosting guests
- ✅ Bundle home, auto, and personal property under one insurer for convenience and savings (MBG can help)
- ✅ Secure your home if you’ll travel for New Year’s — make sure your policy covers unoccupied homes
As 2025 comes to an end and we look forward to 2026, let your holiday cheer be paired with sense and foresight. Celebrating with friends and family, exchanging Christmas presents, welcoming the New Year — all of it should bring joy, not stress. By preparing your home, updating insurance coverage, and leaning on an independent agency like MBG Insurance, you give yourself the greatest gift of all: peace of mind.