One way to ensure that your renters insurance will cover your home is to know what perils the policy covers. That way, you can take steps to minimize the chances that a peril will strike you. Therefore, you have a better chance of your insurance company honoring your peril claims.
Some of the most common perils that affect homes are fires, weather, theft and injury risks. If you take steps to secure the home, then you can reduce your risk of these perils.
Americans lost $329 billion to house fires in 2011, according to the National Fire Protection Association. House fires are perhaps the most deadly and most unexpected perils that can strike homes.
Reduce your risks by taking steps to prevent fires. Keep fire suppressants on hand. Make sure that you use electronics safely and turn them off. Don’t place flammable items near open flames or electrical outlets. Have your electricity inspected to make sure the system isn’t frayed. Take steps to repair fire hazards immediately.
Severe weather is hard to predict. However, there are things you can do when the weather is good to protect your home when bad weather strikes.
Ensure that professionals service your roof and other foundations regularly. Cut away branches and other materials that could fall on the house during the storms. If severe weather threatens, move damageable items inside or secure them. If imminent catastrophic weather threatens, close all doors and windows and seek shelter.
Every 13 seconds in America, there is a home intrusion, according to Safeguard the World. If a thief breaks into your home, they could damage your property and also steal your property.
Make sure you take steps like locking up your home when you leave. Also keep valuables locked in safes or other secure areas. Always know who has access to your home, and let a trusted person know when you are away for a long period. Keep in mind any security systems that are on the property.
Other Injury Risks
Injury risks are usually considered liabilities rather than perils. However, if someone else gets hurt in your home, you may have to turn to your renters insurance. That person may need insurance help covering the injury.
Do everything you can to prevent injuries. Take stock of what common risks exist in your home. Try to reduce the chances of someone getting hurt. Fix loose appliances, and mark fall risks and off limits areas.
Henrich Insurance Group is here to help you get the renters insurance that you need. Go online or start a quote today to learn more. Call us at 713-349-0400 if you have questions.