Safety Items that Can Minimize Claims On Your Homeowners Insurance
You definitely need homeowners insurance to compensate you, your family and your property for any disasters that strike your bode. But I also hope that you never have to file a claim because even though a policy can give you money, it can’t do anything about the stress, heartache, and possible injuries that you may suffer in the event of an emergency.
Here are a few safety items that your house should have that may minimize or eliminate claims.
- Fire extinguisher. This can keep a minor kitchen fire from turning into a home-consuming conflagration. Make sure to get the right type: “A” is for household combustibles like paper, wood, and cloth. “B: is for cooking oil or gas flames. And “C” are for fires from live electricity. Many home extinguishers can fight all three types of blazes.
- First aid kit. The items in this collection can take care of everything from a minor cut to a sprain. They can prevent minor injuries from becoming major problems. However, remember that this kit is for first-aid only. For serious hurt, the kit can be used to stabilize a patient and make him or her safe for transport to an emergency room.
- Security system. Forget about the old-fashioned alarms that annoyed the neighborhood every time the wind blew too strongly on your windows. Today’s modern systems can use ultrasonic detectors to detect the presence of intruders, show you what’s going on in your home via Internet, call the police, and tell you via email and text message that’s something’s up. Consider getting professional installation so you can get the best one for your situation.
A safer home is one that is well-insured but also uses common safety procedures and products to prevent disasters. If you want to know more about making your home safe or need homeowners insurance, please contact me.
Robert Macoviak is the President of Oyer, Macoviak and Associates. Oyer, Macoviak and Associates is the oldest independent insurance agency in Boynton Beach and has been in business since 1953. Oyer, Macoviak and Associates are vested members of the community who are committed to doing business face-to-face and being your insurance advocate in times of need.