As a homeowner, visitors to your home can sue you for damages if they are convinced you are responsible for their injuries. Although your home insurance coverage can shield you from such lawsuits, it is in your best interest to prevent such injuries in your home. This is because the more claims your home generates, the higher your premiums may rise. That is why you should use these measures to keep people safe and secure in your home.
Install Safety Sensors
There are various sensors that can detect dangerous situations in your house and alert you. That way, you can intervene before the danger causes an expensive loss. Examples of such sensors include:
- Flood sensors
- Smoke detectors
- Safe sensors
- Carbon monoxide sensors
- Gas leak sensors
For example, a safe sensor can alert you if someone opens your gun safe. That can help you, say, intervene in case your child or a visiting child manages to access your safe without authorization. The alert can help prevent an accidental shooting.
Install a Safe
There are three main benefits of installing a safe. First, a safe will help prevent damage to your valuables in case of a disaster such as flooding of a fire outbreak. Secondly, a safe will help you keep dangerous items, such as guns, out of the reach of unauthorized or vulnerable persons, such as children. Lastly, your insurance carrier may require a safe as part of its conditions for covering your valuables.
Perform Regular Inspection Maintenance
Dangerous situations usually creep up in a house without the household members knowing. The furnace may begin to overheat, the attic may begin to leak, or the light bulbs may become loose in their sockets. All these are safety issues that you can preempt by regularly inspecting your properties and fixing emerging issues. Also, whenever you detect a dangerous situation, such as a leaking roof or a loose tile, fix it as fast as possible and ensure you warn your visitors about the danger (before it is fixed).
Keep Dangerous Items Out Of Reach
Lastly, it is also a good idea to keep dangerous items out of reach or view. The main things to worry about here include drugs, poisonous chemicals, and weapons. You don't want a visiting child to overdose on your heart medicine or your child to access your guns during a sleepover. Locking up such things is the best way to prevent accidents.
Talk to your home insurance agent for further tips on keeping your home safe and secure. In some cases, you may earn home insurance discounts for adopting some safety and security measures. For more information, companies like Angel Auto Insurance can help.