How to Avoid Common Home Insurance Claims

How you can prevent these common home insurance claims.

As a homeowner, you never want to pay more for your insurance than you have to.  The best way to keep insurance costs down is by avoiding claims.  Here are some of the most common types of home insurance claims and what you can do to prevent them.

  • Burglary

A home burglary takes place approximately every 20 seconds in the U.S.  To make matters worse, the police solve only 13% of these burglaries, meaning that most homeowners never recover their stolen goods.  Most burglaries take place in homes that do not have safety features such as surveillance cameras, intruder alarms, and security systems.  So, to ensure that your home doesn’t become an easy target, invest in these home security features.

  • Fire

Home fires are one of the most common and devastating damage events that a homeowner can face.  In homes, cooking equipment is the leading cause of fire.  However, fires can also break out due to faulty lighting fixtures, malfunctioning appliances, overheated electronics, and so on.  Smoke detectors are one of the best fire prevention tools, and homeowners are advised to have a working detector installed in every room and floor of the home.  You should also keep a fire extinguisher on every floor of your home, most importantly, in your kitchen.  This ensures that you can quickly put out a fire before it spreads.

  • Slips, Trips, and Falls

Falling is a common household hazard.  In fact, statistics show that one in three older adults fall in their homes, with one in five falls resulting in a head injury or broken bone.  The best way to reduce the risk of someone slipping or tripping is by keeping your home clear of clutter such as toys, electrical cords, loose papers, and so on.  You should also secure floor mats and rugs to ensure that they do not pose a fall risk for your loved ones.  Finally, make sure to install adequate lighting throughout your home, so family members have an easier time spotting and avoiding potential fall risks.

These are some of the top safety and security risks that homeowners have to face.  Want another way to protect your home, belongings, and loved ones?  Then make sure you have the proper homeowners insurance in place.  For assistance with all your home coverage needs, contact the experts at Robert J. Los Insurance Agency in Hamburg, New York today.

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