Every year around this time, my family inevitably settles in to watch an all time Christmas classic: How the Grinch Stole Christmas! Of course, the thought of waking up on Christmas morning to find all of your presents stolen (not to mention the roast beast and the last can of Who-hash), would be sad indeed. But, imagine how sad the Whos would be if their homeowners insurance claims were later denied or severely limited? The Grinch ruined Christmas (putting aside his later redemption), and committed several felonies in the process, but bears no responsibility if Lou Lou Who skimped on his homeowners insurance. Most homeowners insurance policies provide coverage for theft, but many have upper limits of between $1,000 to $1,500. That number is for all of your contents, not just your Christmas presents.
According to the narration, the Grinch took every present, “Pop guns! And bicycles! Roller skates! Drums! Checkerboards! Tricycles! Popcorn! And plums!” Would $1,000 have covered these presents? What of Betty Lou Who’s lavish jewelry? Or the floofloovers and whohoopers from last Christmas? The slooslunkas and blumbloopas that Cindy received for her last birthday? What of the bronze bust of Mayor Augustus Maywho? And the big Who-ass tv that Lou Lou Who bought last year to watch the Who-Bowl?
If you want to protect your family and your family’s stuff from the real life Grinches out there, you may want to take a look at your homeowners policy to make sure your coverage is sufficient. If it isn’t, you may find it hard to sing “Fahoo forays” when you receive your pittance from the insurance company.
