Home, Sweet, Home

Homeowners: You just invested in a place to rest your head and create endless memories with your family. While you spend the next couple of decades paying off your home loan, there are preventative measures you can take against pesky neighbors and Mother Nature. Maybe you enjoy surprises—but not the ones that create the need to file an insurance claim on your home. According to the Insurance Information Institute, about 1 in 15 insured homes has a claim each year. Here are the most common causes of claims made, and preventative measures against them.

 

Cause Prevention
1.       Fire damage 1.       Avoid all fire hazards. Keep watch on burning candles, remove clutter around your stovetop, avoid using appliances with frayed cords. Be careful with fires and be sure to dispose of ashes outdoors in a metal, lidded can.
2.       Thieves 2.  A security system is your best bet to prevent break-ins and save you cash on home insurance. Also, simply make sure your home is locked—both doors and windows. Keep your small, valuable assets in a safe.
3.       Exterior Wind/Hail Damage 3. Keep your foliage trimmed to help prevent breakage of limbs on a windy day. During a storm, double-check your yard to make sure all loose items such as outdoor furniture and toys are stored in a garage/shed to prevent flying objects damaging your home.
4.       Other weather-related damage 4. Keep your gutters clean. Do not pour grease down your sink to prevent clogged pipes leading to floods in your home. Investigate leaks as soon as you notice them.
5.       Vandalism/Mischief 5. Some things are out of your control—eggings, others’ pets digging up your garden, spray paint, whatever the case, keeping a video surveillance of outside your home can scare off neighbors.

By: KayLynn


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Renters Insurance: Your Secret Weapon Against Disaster (and Burglars!)

Beyond Broken Leases: Why Renters Insurance is Your Best Friend (and How to Get a Great Deal)

Flappers, Flights & Fizzy Fridays: The Roaring Twenties You Never Knew

Dive into the 1920s beyond the speakeasies! Explore the decade’s social shifts, technological marvels, and surprising connections to modern times.

Bundle Up and Save! The Ins and Outs of Business Insurance

Unsure about business insurance? Don’t be! Learn how bundling different coverages protects your company and puts money back in your pocket.

Life Insurance Myths Busted: Unveiling the Simple Truths Behind Financial Security

Considering life insurance but confused by the myths? We clear the air on common misconceptions and show you how to get simple, affordable coverage.

Buckle Up for Savings: How Car Safety Ratings Save You Money

Crash Test Your Cash Flow: How Car Safety Ratings Impact Insurance Rates

Pool Paradise or Premium Pain? The Splashing Truth About Pool Insurance

Dive into Savings: How Pools Affect Homeowners Insurance (and How to Stay Afloat)

Lights, Camera, Action! Exploring the Real-World Locations of Your Favorite Films

Exploring the Real-World Locations of Your Favorite Films

From PJs to Productivity: Mastering the Work-From-Home Hustle

Ditch the Commute, Keep the Cash: Working From Home Hacks for Peak Performance

The Farewell Financial: Planning a Peaceful Goodbye

Beyond Goodbyes: A Guide to Navigating Funeral Costs and Life Insurance

From Death Traps to Death Beaters: How Cars Became Surprisingly Safe

Buckle Up and Breathe Easy: Unveiling the Hidden Heroes of Car Safety