Lighting Up the Holidays Safely: What Homeowners Should Know

There’s nothing quite like the glow of holiday lights reflecting off a Hill Country sunset. Whether you live in Georgetown, Round Rock, Cedar Park, New Braunfels, San Marcos, or anywhere in between, decorating your home is one of the most joyful traditions of the season. From twinkling rooflines to sparkling trees, holiday décor helps turn your space into a warm, festive escape.

But before you pull out the ladders and extension cords, it’s worth remembering that holiday decorations—while merry and magical—can also introduce some unexpected risks to your home. As your trusted local insurance agency right here in Central Texas, Dowd Insurance Agency is here to help you celebrate safely, protect your home, and avoid turning your holiday cheer into a homeowners insurance claim.

Here’s how to decorate safely this season without dimming the sparkle:

1. Don’t Leave Flames Unattended (Because Fire Doesn’t Take Holidays Off)

Candles, fireplaces, and wax warmers create a cozy atmosphere—but they also top the list of holiday fire hazards. Even a small flame can escalate quickly, especially around garland, wrapping paper, or a freshly dried-out Christmas tree.

Safety Tip:
Blow out candles before you leave a room. And if you love the flickering vibe, consider switching to battery-powered LED candles—no soot, no smoke, no risk.

2. Ditch the Toxic Décor

Some decorations—like certain older string lights, imported ornaments, or even holly berries—can contain harmful materials. Pets and young kids are notorious for grabbing (and tasting) anything shiny within reach.

Safety Tip:
Check labels when you buy décor. If something contains lead or other toxic materials, it’s worth swapping out for safer, modern alternatives.

3. Read the Manufacturer Instructions (Yes… Really)

We know, directions aren’t fun. But holiday equipment—especially string lights—comes with specific safety certifications and usage guidelines.

Safety Tip:
Verify whether lights are designed for indoor or outdoor use. Outdoor-certified lights are made to withstand rain, dew, and the occasionally surprising Central Texas cold snap.

4. Don’t Overload Your Outlets

With lights, inflatables, tree toppers, and an entire yard full of glowing reindeer, it’s tempting to plug everything into one power strip and hope for the best. But overloaded outlets are a major source of electrical fires.

Safety Tip:
Spread out your decorations across different circuits, and unplug lights before leaving the house or heading to bed.

5. Keep Real Christmas Trees Hydrated

A fresh tree smells amazing, but it can turn into a hazard once it dries out. Dry needles catch fire much faster than fresh ones.

Safety Tip:
Before buying, tug on the needles—if they pull off easily, pick a fresher tree. Once home, use a sturdy stand with water and refill it daily. A hydrated tree is a safer tree.

6. Use Ladders the Right Way (No Gravity-Defying Stunts, Please)

If you’re hanging lights along gutters or peaks, ladder safety is essential. Every year, emergency rooms see thousands of holiday fall injuries—many of which could have been prevented.

Safety Tip:
Use a ladder tall enough for the job, check its condition, avoid slippery surfaces, and have someone hold it steady while you work.

Why Holiday Safety Matters for Your Home Insurance

Claims spike every year during the holiday season—house fires, falls, electrical issues, even liability claims when guests get injured. By taking a few precautions, you can help prevent damage, avoid disruptions, and maintain a clean claims history (which helps keep your premiums stable).

And if something does go wrong? Dowd Insurance Agency is here for you. We know Central Texas homes, Central Texas weather, and the unique risks that come with both.

Enjoy the Season—Safely and Brightly

Holiday decorating should be joyful—not stressful. With a little planning and the right safety habits, you can protect your home, your loved ones, and your peace of mind all season long.

If you’d like to review your homeowners or renters insurance before the festivities begin, our local team at Dowd Insurance Agency is happy to help. We’ll make sure you’re covered so you can focus on what matters most: celebrating with the people you love.