Having 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 :
- You should always know your neighbors well.
- Trim all the shrubs and tress which covers your home windows and doors.
- Always lock your doors when you are inside the home. Always use secure and dead bolt locks for all the entries in your home.
- It is safer when there is a peephole in front door so that you can know who is knocking the door.
- Do not hide the house keys outside the house such as in pots or windows.
- 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.
Pools are of great fun and fun! Swimming and watching the children enjoying all around and the water splashes, and to take rest in the cold water after a hectic day of work are incomparable summer pleasure. Here are a some tips to reassure you can get to know most about the pool.
- It is a must to lock the entrance and to have a secure fencing around the deck and the pool area to avoid any access when there is no one to look after.
- Always be sure that you have the equipments like life saving jackets, life preservers and a hook to rescue near the pool and also the emergency telephone numbers.
- Make sure all the chemicals safety are stored side the pool area. Do follow all usage instructions and storage suggested by the manufacturer.
- Don’t leave a children unattended near the pool or water area.
- Make sure you look out for signs of tear and wear near the pool where pipes or other items would have moved into the liner.
- For the pool above the ground, check for the rusting of metal or deterioration. They indicate areas where the pool could break or person can be injured.
- Keep the pool seasonably prepped and well maintained. Be sure to reduce the water level and the pools are covered in winter months.
- Safety is to get fix a audible pool alarm which alerts you if in case someone who is unattended falls into the pool.
- The barrier and the fence should be minimum 5 feet above. It should have no handholds or foot that will help a young children to climb.
- Fencing gates must be self-latching and self-closing. The gates should be well maintained to latch and close easily. And make sure these latches are out of reach to children.
- Ladders and steps should be locked and secured from the ground to the pool, or it has to be removed when your not using the pool.
- Remove toys from in and around the pool. Toys are dangerous near the pool for children as they get the attention children to the pool.
- Motor-driven covers easily close and open over the pool. When this power safety cover is properly placed over the pool, they provide a high level of safety for children under 4 years old by avoiding their access to the water.