Home Owner Insurance Money Saving Tips
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Home Insurance Tips
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Getting quality
insurance is a good first step towards protecting your home. But
ultimately, the best protection is prevention. There are steps
that you can take to help you avoid ever having to make a home
insurance claim - the following home insurance tips can get you
started.
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Take action to
make your home theft-resistant.
"Case"
your home as if you were a burglar. Burglars look for easy
targets - make sure your home isn't one of them.
Install
exterior lights that are out of reach and triggered
by motion.
Trim
trees and shrubs near doors and windows.
Don't
hide house keys outside - burglars know where to
look.
Consider
investing in a home security
system. Not only does this make your home
safer, it can lower your home insurance premiums.
When you're on
vacation:
Have mail
and newspapers picked up.
Leave
blinds in normal positions.
Arrange
to have your lawn mowed or your driveway shoveled.
Tell
police and neighbors that you will be away and ask
them to watch your home.
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The numbers speak
for themselves: According to the Center for Disease Control
and Prevention, 40% of Americans homes have a dog. There are
4 million dog bites per year, and dog bites create 33% of all
homeowners liability claims - resulting in more than $1
billion in claims per year. Consider these tips to avoid
having a claim brought against you:
Pick a
dog breed that's covered by your home insurance. Ask
your insurance agent for details.
Have your
dog spayed or neutered.
Train
your dog.
Keep your
dog on a leash when walking.
Also,
let's not forget to simply be a good neighbor. Clean
up after your dog.
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Home businesses
are generally not covered under your home insurance policy.
You may have only limited property coverage and no liability
coverage for your business under your homeowners policy.
Research the coverage that you have for property and
equipment damage or theft, loss of income, and general
liability for customer and supplier injuries.
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Check with your state Department of Insurance
regarding whether you need a workers' compensation policy for
your housekeeper, gardener, nanny, cook, or other domestic
employees. In addition, if someone else occasionally runs
errands for you and drives your car, have that driver listed
on your auto insurance.
Confirm that you
have adequate liability and medical coverage on your home
insurance policy. Consider purchasing a personal umbrella
policy.
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Your home
insurance should reflect your home's current value, condition
and improvements. Check your policy each year and review your
specific coverages so that you will be able to make the
necessary adjustments to fully protect your home.
Article-Related Resources:
A Proven Approach to Reduce Your Chances of Home Burglary
Free Online Insurance Quote for your Business
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