How To Keep People Safe And Secure In Your Home

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Insurance 101: Tips and Tricks to Choosing the Right Policy

Since my parents always added me to their auto insurance policy when I was a teenager, I never learned how to make educated insurance policy decisions. When I moved out of my parents house at the age of 25 and it was time to get my own policy, I was overwhelmed with all of the decisions I had to make. Thankfully, my parents were eager to teach me what each insurance coverage option meant and what the best choices were for me. I learned a lot about insurance during this experience, and I am eager to share what I learned with others on my new blog. I also plan to include many tips on choosing health and homeowners insurance policies, so check back often if you want to learn a little more about insurance!


How To Keep People Safe And Secure In Your Home

22 October 2019
 Categories: Insurance, Blog

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.