When you have home insurance, your rates will increase in accordance with the number of claims you file within a given period. If you want to avoid paying more than you have to for your home coverage, then your best bet is keeping your home in good condition and taking steps to prevent damage. Here’s what you can do to avoid these common types of home damage.
1) Water Damage Around Your Shower and Bathtub
Over time, the grout or caulk around your bathtub and shower can wear away, allowing water to seep into the walls or flooring of your bathroom. To avoid this source of water damage, you should frequently inspect and repair the seals around your tub and shower. Experts recommend completely resealing your tub and shower every year.
2) Damage from Electrical Fires
To prevent electrical fires in your home, you should replace any missing or broken wall plates, so you don’t leave wiring components exposed. You should also avoid overloading wall outlets and power strips as this too could spark a fire. Finally, watch out for appliances or electronics with frayed or cracked cords as this could pose a fire risk, especially if they are in contact with flammable items like carpeting or furniture.
3) Damage and Losses Caused by Burglary
Most burglaries take place in homes that do not have safety features such as surveillance cameras, intruder alarms, and security systems. 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.
Here are the steps that you should take to avoid these common types of home damage. Do you have further questions about mitigating your risks? Then contact the experts at Mike Leonard Insurance Agency. Our dedicated team is eager to find you the right coverage from one of our many carriers including: Kemper, MetLife, Nationwide, Travelers, The Hartford, Safeco Insurance, Progressive, and American Strategic Insurance.