Reduce Your Liability By Preventing Accidents At Your Home

Article Posted by Expert Author: Carly Jorge  on 09/19/2013

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 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.


Article Posted In:  Home Owners Insurance by City  Homeowners Insurance  

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