Making your home safer has more benefits than simply protecting your home. Adding certain safety measures can also save you money on home insurance by lowering your risk of filing an insurance claim.
Upgrade to a Weather-Resistant Roof
Weather and hail-resistant roofs may be expensive to upgrade to, but they are generally worth the costs. Repairing or replacing your roof after an accident is expensive, so insurers will be glad to know that you have taken steps to protect this important part of your home.
Install an Anti-Burglary System
Even having a sign that shows you have an anti-burglary system can deter would-be thieves and burglars. Consider installing cameras, alarms and motion lights to prevent break-ins. Even if someone manages to break in, a switch response can lower the amount of damage and theft the burglar may commit.
This is especially important if you live in an area with a high rate of crime.
Updated Fire Alarms
Updated fire alarms can lower the damage done by a fire in your home. Keep your fire alarm system updated, as well as making sure you have a fire extinguisher near your kitchen or garage.
Your proximity to a fire station can also have an effect on your home insurance rates. Living closer to a fire station can lower the response time during a fire, thus lessening the damage caused by a fire. If you live far from a fire station or source of water, you could see higher home insurance premiums.
Upgrade Locks on Doors and Windows
Enforcing your doors and windows can help prevent break-ins as well as help keep strong winds from blowing your doors open during a storm. You may also want to seal your doors and windows to keep out water. Water damage is a common cause of home insurance claims, and unfortunately, not all water damage is covered by a basic home insurance policy.
Your family’s safety is of the utmost importance when you are home. Make sure you keep an emergency kit, including a first-aid kit, in case of an accident. Everyone in your home should know what to do and where to go in case of a disaster, such as a tornado warning or earthquake.
If you have any questions about whether or not an incident is covered by your home insurance policy, be sure to speak with your insurance agent.
Also Read: Deciding Whether To File A Claim Or Go Out-Of-Pocket
Request a Quote