Protecting Your Home Against Theft

Protecting Home against TheftHaving home insurance will protect you from financial loss when your house is damaged because of storm, theft, fire or from any other event. You should clearly know what are your policy limits and what is there in your policy. Make sure you understand your policies and coverages clearly.

You can take some precautionary measures to protect yourself and your family from burglaries :

  1. You should always know your neighbors well.
  2. Trim all the shrubs and tress which covers your home windows and doors.
  3. Always lock your doors when you are inside the home. Always use secure and dead bolt locks for all the entries in your home.
  4. It is safer when there is a peephole in front door so that you can know who is knocking the door.
  5. Do not hide the house keys outside the house such as in pots or windows.
  6. It is good if you use timers for the lights to turn on and off. When you are not in station, stop the mail delivery and newspaper till you return from your vacation.

Beware of Backyard Dangers

  • Trampolines, swimming pools and decks may add to the enjoyment of your home. They can also add to your home insurance bill.
  • If you have a trampoline in your backyard, be sure to read your policy carefully and talk to your agent. Some home insurance companies will not accept risks with a trampoline on the premises or will have exclusions for any liability related to trampoline injuries.
  • Swimming pools are another consideration. Your pool needs to be secured according to your home insurance carrier guidelines. Many require a fence of a specific height with a gate that can be locked. You will want to be sure you are in compliance with local building codes.

Trampolines- Fun and Furious

Take PrecautionsFun fun fun!!! To play on trampolines for adults and children are lot more fun but in the same time if its not used properly they can be dangerous. You should consider few safety precautions if your adding a trampoline in your backyard. In US, roughly around 3% of all homes in America have own a trampoline on their property. But, unfortunately numerous injuries have taken places due to these trampolines. This would be the disadvantage of trampoline. We see many households people who nearly use it daily, who have never had a hit a injury and have owned a trampoline for many years.

Reinforcement of Trampolines

In the recent years trampoline manufacturers have made much improvements in their product as result of safety. These are small, in the form of affordable net like system, with round units padded which covers the springs which help the avoid injuries to the user. Many people in their homes have overseen the trampoline activity, found some basic instructions for its safety install and its use. Many health benefits are associated with trampolines. In the modifications of televisions and video games, a trampoline provide the chance to play in sunshine, encourages small kids play together, and involved in exercise for muscle building. And even for many years of use its appeal does not look to go down.

Precautions are Better with Trampoline

  • Make sure if springs are attached well to mat and to the rim and the safety of the equipment. Before anyone jump on the trampolines check for the signs of wearing it.
  • Always try to keep the trampoline in a location where its safe enough and away from stool, ladders and chairs. Check that the trampoline is not placed close to playground equipment, buildings, power lines, swimming pools, trees or wires.
  • Children when jumping on the trampoline must be supervised. It is must to have at least one spotters when children and adults are on trampoline, and also if something breaks down.
  • It is not safe to play or to jump at night on the trampoline because you can hardly see anything and there are chances of mistake your jump. Even the rain, fog, and dusk are very dangerous are for the same reason. And only single person must be at the trampoline at a time.

You should look for trampoline exclusion in your policy. Normally any injuries caused by the trampolines are not covered in your policy. So please make sure that you are covered in your policy when you buy an trampoline.

What You Probably Don’t Know about Homeowner’s Insurance Rates

What you don’t know about homeowner’s insurance could sneak up and bite you at the most inopportune moment. For example, did you know that your home’s distance from the nearest fire station can affect your insurance rates? Here are a few other sometimes surprising (sometimes not) factors that you might not be aware of.

Your Credit Rating
This is something of a controversial issue. What does your credit rating have to do with your qualification to be insured against fires and floods? Well, it goes a little beyond that. Insurance companies view your credit score as a barometer of your stability, and use it to determine if you’re a risky prospect to insure.

Your Pets
Having an aquarium of goldfish won’t have a negative effect on your homeowner’s insurance rates, but toss in a few piranha and all bets are off. Actually, the “dangerous breed” rule typically applies to dogs, specifically, any damage that they might cause against humans. Having a pit bull, Rottweiler, or Doberman in the family could raise your rates. Although you may be able to work with the insurance company and create a clause in the contract that specifies any damages caused by Fido won’t be covered in the policy.

Swimming PoolsTo Know
As fun as it is to have one in the backyard, having a pool also comes with certain risks that will cause your insurance company to hike your rates. Although pain of heightened premiums are likely no match against the joys of the daily backyard summer dip, it never hurts to talk to your insurance rep before breaking ground.