Deck the Halls Safely: Holiday Light Tips

The holidays are a magical time — twinkling lights, festive decorations, and that cozy winter glow. But as beautiful as holiday lights can be, they also come with risks. From house fires to frozen docks, unsafe lighting setups can turn holiday cheer into costly damage.

At Sea Mountain Insurance, we want you and your property to enjoy a safe, bright holiday season. Here’s a guide to safely decorating your home, apartment, and even your boat.

1. Inspect Your Lights Before You Hang Them

Before you string up those lights, check for:

Frayed cords or exposed wires
Broken bulbs
Loose plugs or connectors
Signs of overheating

Tip: If your lights show any damage, replace them. Even one faulty string can cause sparks or fires.

2. Use Outdoor-Rated Lights for Exterior Decorations

Indoor lights are not built to withstand moisture, snow, or wind. Always use lights rated for outdoor use on your roof, deck, or boat.

Pro tip: LED lights use less energy, run cooler, and last longer than traditional incandescent bulbs — reducing fire risk.

3. Secure Lights Properly

Loose cords or lights dangling from rooftops or railings can be dangerous:

Use insulated hooks or clips instead of nails or staples.
On boats, secure lights so they won’t interfere with lines, cleats, or navigation equipment.
Avoid hanging cords across walkways or high-traffic areas.

Why it matters: Loose cords can create tripping hazards, damage your lights, or lead to electrical shorts.

4. Mind Your Power Sources

Don’t overload outlets or extension cords.
Use a surge protector when possible.
For apartments, confirm that you’re not exceeding your outlet or circuit limits.

Tip: Consider a timer or smart plug to automatically turn off lights overnight or when you’re away.

5. Keep Decorations Away from Heat & Flammable Materials

Don’t place lights on dry trees, wreaths, or garlands near heat vents.
Keep cords and decorations away from heaters, fireplaces, or candles.
On boats, make sure lights don’t contact fuel tanks or other flammable equipment.

Safety first: Even a small spark can cause significant damage to your property or vessel.

6. Protect Against Moisture

Ensure outdoor plugs are covered and rated for wet conditions.
On boats, check that connections are watertight and elevated above decks to prevent short circuits.
Avoid hanging lights in areas prone to pooling water or ice.

Tip: Water + electricity = big trouble. Always double-check your setup.

7. Turn Off Lights When You’re Away or Asleep

Even the safest setup should not run unattended for long periods.

Use timers or smart plugs to automatically shut off lights.
This prevents overheating, reduces energy costs, and lowers fire risk.

8. Bonus Tip: Inspect Decorations at the End of the Season

When it’s time to take down lights:

Unplug and store cords carefully.
Inspect for damage before next year.
Proper storage prevents fraying and keeps lights safe for years to come.

Holiday lights make the season bright, but safety should always come first. Following these simple tips for your home, apartment, or boat can prevent fires, damage, and costly insurance claims — so you can focus on what really matters: family, friends, and festive cheer.

At Sea Mountain Insurance, we care about protecting your property and your peace of mind. If you have questions about your coverage for holiday decorations, boats, or seasonal risks, our specialists are here to help.

Stay safe, enjoy the glow, and happy holidays!