One of the factors that affect your insurance premiums is your claims history. There are many things you can do to help prevent incidents from occurring that might result in a claim. The “ounce of prevention is worth a pound of cure” definitely applies when you want to manage your insurance expenditures. While you can’t prevent everything, you can use reasonable care to avoid certain situations
Home Insurance Tips
- Make sure all water pipes are adequately insulated or heated to prevent pipes from freezing and bursting. If you are not going to be home for a few days, leave the heat on sufficiently to keep the pipes from freezing or drain the water pipes and shut off the water supply.
- Insulate outdoor pipes, hoses and faucets.
- If you own an outdoor swimming pool, drain the pool’s circulation system.
- Shovel and salt driveways and sidewalks to prevent ice build up.
- Seal any cracks in the foundation to avoid water from seeping in.
- Check your hot water tank regularly for signs of rust, overflow or clogged drainage lines
- Check dishwasher and washing machines hoses for signs of bulging and weakness, replace as necessary.
- Replace damaged caulking, broken tiles around showers and bathtubs
- Check attic spaces and ceilings for signs of water damage
- When landscaping, make sure the planting beds are sloped away from your home
- If trees limbs have grown near hydro lines on your property, call your local utility company for limb removal.
- Tie down patio umbrellas and store lawn furniture in wind storm events when possible
- Never leave cooking unattended.
- Don’t store flammable items (dishcloths or cloth oven mitts) above the stove.
- Smother a grease fire in a pan with a lid, never throw water on the flame as it will spead.
- Do not heat oil in an open pot, use only a CSA- approved, sealed deep fryer.
- Always have working smoke detectors on every floor of the house. If your smoke alarm is battery powered change twice a year.
- Have a fully charged fire extinguisher in the kitchen, and know how to use it.
- Create a fire escape plan for your family and make sure everyone is familiar with it.
- Do not overload electrical sockets, and unplug appliances when not in use.
- Keep portable heaters at least one meter from bedding and drapes.
- Do not leave candles unattended. Children should never have candles in their bedrooms.
- Store paint and other flammables away from furnace or water heater.
- Do not store gasoline or propane tanks close to your home in case of fire.
- Consider installing a home security system.
- Have adequate outdoor lighting.
- Trim hedges around windows.
- Document your personal property via video or photography, with written notes.