(BPT) - Winter brings celebrations, travel and time with loved ones. It also brings seasonal risks that can cause safety issues and financial stress. Here are four common hazards to keep in mind, plus practical steps to reduce the chance of something impacting your winter fun.

1) Icy walkways, a risk to delivery drivers and guests

Holiday deliveries bring drivers to your porch and sidewalks, and hosting means even more foot traffic. If a visitor or delivery driver slips and gets hurt, you could be responsible for medical bills or legal costs. Homeowners' policies include personal liability coverage designed to help with those expenses if you are legally liable.

For additional peace of mind, a personal umbrella policy provides even higher liability limits. This helps safeguard savings

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