Tis the season to trim the tree, bake gingerbread cookies and headout of town to visit relatives.

But if youre a homeowner, all three of those things put you at risk.

In these next slides, we break down those holiday insurance risks and offer tips for ensuring youre covered.

A woman lights a candle next to a Christmas tree.

Getty Images

However, as important as those tips are, they dont address the financial risks.

These 22 legit games pay real money.

As a general rule, this is 50 to 70% of your dwelling coverage.

Article image

Property Liability

Will you be inviting guests into your house this holiday season?

For that reason, Piotrowski recommends taking a look at yourhomeowners coverage.

Here are The Penny Hoarders top picks.

Article image

Theft and Vandalism

Criminals dont take a break during the holiday season.

In fact, burglaries spike during the final weeks of the year.

Homeowners are often away at gatherings, leaving valuable gifts unattended under the tree.

Piotrowski also highlights porch pirates as an issue during the holiday season.

Unattended packages can invite thieves to your front door.

Additionally, all those outdoor decorations can paint a giant target on your home.

Finally, the holiday season typically brings an increase in vandalism.

Night falls earlier, giving criminals extra time to do their dirty work.

Homeowners insurance covers vandalism, although your deductible might betoo high to make it worth filing a claim.

For theft coverage, dont just consider the cost of the gifts under your tree.

Youll want to ensure your belongings would be covered.

As with fire damage, your personal property coverage should be 50 to 70% of your dwelling coverage.

Try one (or al!)

of The Penny Hoarders top picks for money-saving apps.

The holidays are a time to celebrate, but its also important to be diligent.