Safety and Preparedness for Your Home


Your home insurance can grant you a sense of security and protection, knowing that you are covered if any unforeseen accidents occur. However, there are plenty of preventive actions you can take to further safeguard your home, including some that can possibly lower your premium costs.

Improve Home Security

By equipping your home with smoke/carbon monoxide detectors and a security system to ward off intruders and burglars, you can reduce your premiums by typically 5%. Sometimes, if you are willing to spend more to secure your home, for example, with a sprinkler system (in case of fire) or a security alarm system that notifies police/fire in warranted emergencies, your discount could be upwards to 15-20%. When shopping around for coverage, ask your insurance company what these systems can do for your premiums.

Inspect Current Systems

Aside from natural disasters, the best way to protect your home from headaches is to prevent them from happening. This means you should regularly monitor your home to make sure everything is working smoothly and making repairs and adjustments when they are first found, before they turn into bigger problems.

Some regular inspections you can do yourself include:

  • Water/Sewage: Small leaks, smells, or changes in water pressure could be signs of potential water damage, as well as sewage backups.

  • Smoke Detectors: Check batteries and perform tests to ensure that the detector is working properly.

  • Mold: Small spots of mold can turn into bigger problems if left untreated.

  • Pools: Fix any leaks as soon as they appear, consider installing a system that helps prevent freezing and/or emergency shut off.

Prep For Fluctuations in Weather  

In severe weather conditions, your home can be detrimentally affected. If heavy rainstorms are affected, be sure that there are no leaks in your roof. In case of harsh storms, hurricanes, or tornados, you may want to consider boarding your windows and securing your outdoor furniture prior to the onset of a storm.

Other Maintenance

  • Gutter systems should be regularly checked and cleaned of blockages or excessive debris that can prevent them from working properly.

  • Trim trees and bushes that may break and fall onto your house and property during storms.

  • Seal cracks, holes, and any weather stripping from your windows.