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Reduce Your Liability By Preventing Accidents At Your Home
Did you know that almost 8 million people are injured each year in falls, and that fall injuries didn't discriminate where it came to age? In fact, falls remain the leading cause of injury among those aged 25 to 54. And although your home is your sanctuary, it can quickly become a huge money pit if someone injures themselves at your home and you don't have the right amount of homeowners insurance to cover it.
How To Prevent Accidents
The key to prevention, say many insurance companies, is to be able to recognize potential hazards and other issues well before an accident occurs. You can ensure the safety of all who come to visit your home easily by taking the following steps:
- Trimming any shrubs and trees on your property will not only increase visibility for visitors, but will also help to thwart any burglar who may want to trespass on your property.
- Ensuring that any trash or other clutter like old vehicles are removed from your property will definitely make it look better, and will also remove any risk to visitors becoming injured while on the property.
- Keeping an eye on your pets is one of the easiest ways to prevent falls. Dogs can be tied up outside, or be told to sit and stay if they are well-trained. Along with pets also comes toys, so either inform your guests to watch their step, or put the toys away for the duration of the visit.
- Turning off the lights is a great way to save electricity. But your home can quickly become a hazard to those who don't know their way around as well as you do in dimmer light. Lights at the top and bottom of stairs, in addition to lighting room entryways, indoors and out, can help guests more easily find their way.
- Keeping 'attractive nuisances' like trampolines, pools or swing sets fenced in or cleared from the property will significantly lessen the risk of visitors, especially those who are children, from becoming injured while using your property.
- Your walkways or driveway should be free of any obstacles like children's toys or wayward stones that can be tripped on and cause injury.
- Regular inspection of stairs, decks, driveways and stepping stones for uneven placement, cracks and other damage can help you to more quickly address issues.
- Your home's sliding glass doors can easily cause injury to anyone wanting to use them to enter your home. As such, an easy way to prevent injury is by placing decals or other window decorations on your doors so that visitors know when the door is open or closed.
- Slipping can occur with even a small puddle of water or fruit or vegetable peeling. Cleaning up any spills or dropped food immediately will prevent injury.
- For guests that use your shower or bath facilities, ensuring their safety is as easy as placing a non-slip mat or strips on the floor of the bath tub.
- Saving medicine means stocking up on potential poisons. Ensure that all expired medication is disposed of safely by bringing it to your local pharmacy, who can safely dispose of them.
Anyone in the market for Jacksonville homeowners insurance may want to look into other issues related to this topic, such as flood insurance, sink holes, etc. that may prove to end up being a springboard for accidents in your home. In fact, it's important to understand any regional issues due to weather that might impact your rates.
Check out http://www.homeownersinsurancegeek.com/ for more great tips on how to reduce your liability at home, as well as prevent accidents. We have assembled many useful tips and articles to help homeowners make the most of their options.
Check Your Home to Protect Against Disaster
Having homeowners insurance is a great way to have the peace of mind that if the worst does happen you're covered. However, there are also steps you can take to try and prevent many of the most common issues that lead to damage to your home. For example, once a year take some time to make sure that all trees and shrubs on your property have been trimmed to avoid damage to roof and exterior walls. Check your downspouts and gutters to make sure they're effectively taking water away from your home and have a look at weather stripping and caulking to make sure it's keeping the elements out.
In addition to the above yearly tasks, there are also some monthly tasks you can take on. Check the vents in both your dryer and the hood of your stove to make sure they're free of debris and operating properly. Look for leaks or drips on plumbing and stay on top of changing or cleaning the filters on your heating and air conditioning elements. Remember that home owners insurance Houston doesn't cover claims if they happen as a result of things that could have been prevented. As a result, it's essential to stay on top of home maintenance.
Article Posted by Expert Author: 5 on 07/09/2013
Article Posted In: Home Owners Insurance by City
Local Fire Ratings And Your Homeowners Insurance
Did you know that 70% of the firefighters in the United States are volunteers? That high number could very well mean that your local fire department is not full of paid professionals, and therefore, wind up costing you more on your homeowners insurance.
Your home insurance rates are calculated according to a score obtained by the existence of certain factors in your area, such as whether the fire department is volunteer or paid professional. And a whopping fifty percent of that score rests on the status of your local fire department!
The fire rating of your community is measured on a scale of one to ten, with ten being the worst according to homeowners insurance terminology. A community with a paid firefighting staff would rate a 3. Unfortunately, your insurance rates will likely suffer should your community's volunteer fire department either close or merge with a department nearby. This is because the proximity of the new fire department could place your home outside of the preferred five or six mile distance from it, which could increase the response time, ultimately increasing the damage to your home by fire.
Understanding issues like this one can dramatically alter the cost of your homeowners coverage. Make sure you check out all of the articles on our site to understand your specific scenario.
Homeowners Insurance 101: Understand the Basic Options
Finding the right homeowners insurance policy can be a challenge for families for a variety of reasons. One of the main challenges is simply understanding what's involved in a policy. There are several different types available and they each offer their own advantages. First up is the HO1, which is also frequently called the “bare-bones policy.” This is typically the choice of those who are getting coverage simply because their mortgage lender requires it and they want to pay as little as possible. It can be a good solution to those in a tough financial situation.
Another option is the HO2 covers everything the HO1 policy covers, such as fire or lightening, but covers a lot more as well, such as building and home collapse and freezing damages. Finally we have the HO3 policy, which is the most comprehensive coverage and is considered the “all-risk” policy. Coverage on this type of policy includes coverage against almost everything, except a few exclusions like rats, termites, shrub and tree damage, and earthquake damages. Another interesting thing to note about this policy is that it only covers the cost of living away from the home for up to 60 days.
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