SCC Bureau of Insurance Encourages Virginians to Take Necessary Steps to Protect Themselves Against Holiday Mishaps


NOV 17, 2023

RICHMOND – The holiday season is here, and the State Corporation Commission's (SCC) Bureau of Insurance (Bureau) wants Virginians to have a happy and safe holiday by protecting themselves financially with insurance to combat holiday mishaps.

The Bureau reminds Virginians that their holiday to-do list should include checking with their insurance agent or company to ensure they have the insurance coverage they need should an injury, illness, theft or mishap occur.

“Whether you are at home or on the road, don’t let a lack of insurance coverage dampen your holidays financially,” said Virginia Insurance Commissioner Scott White. “Review your insurance coverage now and update it as needed. Know what is – and is not – covered and understand deductibles and coverage limits.”

While reviewing your insurance coverage, taking additional steps to keep your home, vehicle and belongings secure during this time of year is important. Take the time to know how much your auto and homeowners insurance will cover if someone steals gifts, decorations or other items from your vehicle, home or yard. Understand what type of insurance you need if a special holiday meal or decorations go up in flames, an undercooked turkey sends guests to the hospital, or frozen pipes burst causing water damage to your home.

Remember that distracted drivers and the potential for severe winter weather can make holiday travel a challenge. Keep your auto insurance company’s contact information and a copy of your insurance card with you when you drive. Review liability limits to ensure they’re adequate to protect against injury or damage if you are involved in an accident during the hectic holiday rush.

Familiarize yourself with what your medical insurance will cover if you need treatment at an urgent-care facility or hospital while you are out-of-state or traveling abroad. Make sure your health insurance information is up-to-date and always have copies of your insurance card with you when traveling.

The end of the year is a great time to create – or update – your home inventory. An inventory can help you determine if your homeowners or renters policy provides enough coverage for your belongings – as well as facilitate the claims process if you must file an insurance claim. An inventory also will help you identify high-cost items that may need separate insurance coverage, such as jewelry, art or electronics. The National Association of Insurance Commissioners' (NAIC) free smartphone app — NAIC Home Inventory — makes creating a home inventory easy.

Finally, check that you have insurance coverage for seasonal activities that you may enjoy, such as skiing, snowboarding and snowmobiling.

For information about a variety of insurance-related topics, contact the SCC’s Bureau of Insurance in Richmond at 804-371-9741 or toll-free at 1-877-310-6560 or visit its website at Additional information also may be found on the NAIC website at


Contact: Jordan Bondurant, 804-371-9141