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Preventing common homeowners insurance claims.

Just because you have comprehensive homeowners insurance in Lubbock, Texas, doesn’t mean that you want to access your coverage.  If you want to avoid filing unnecessary insurance claims, then there are certain preventative measures that you can take.  Try out these suggestions to protect your home from these common risks.

  • Fire

Home fires are one of the most common and devastating damage events that a homeowner can face.  In homes, cooking equipment is the leading cause of fire.  However, fires can also break out due to faulty lighting fixtures, malfunctioning appliances, overheated electronics, and so on.  Smoke detectors are one of the best fire prevention tools, and homeowners are advised to have a working detector installed in every room and floor of the home.  You should also keep a fire extinguisher on every floor of your home and, most importantly, in your kitchen.  This ensures that you can quickly put out a fire before it becomes serious.

  • Burglary

A home burglary takes place approximately every 20 seconds in the U.S.  Most burglaries take place in homes that do not have safety features such as surveillance cameras, intruder alarms, and security systems.  So, to ensure that your home doesn’t become an easy target, invest in these home security features.  Another way to protect your home from burglars is by making sure that you secure all windows, doors, and other points of entry before leaving your home.

  • Slips, Trips, and Falls

Falling is a common household hazard.  In fact, statistics show that one in three older adults fall in their homes, with one in five falls resulting in a head injury or broken bone.  The best way to reduce the risk for someone slipping and falling is by keeping your home clear of clutter such as toys, electrical cords, loose papers, and so on.  You should also secure floor mats and rugs to ensure that they do not pose a fall risk for your loved ones.  Finally, make sure to install adequate lighting throughout your home, so family members have an easier time spotting and avoiding potential fall risks.

These are some of the suggestions that you should try to avoid filing insurance claims.  Do you have more questions about your homeowners insurance in Lubbock, Texas?  If so, then contact the experts at Promised Land Insurance Group.  Our dedicated team is eager to assist you with all your coverage needs today.

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