Home Insurance Tips

Getting quality insurance is a good first step towards protecting your home. But ultimately, the best protection is prevention. There are steps that you can take to help you avoid ever having to make a home insurance claim - the following home insurance tips can get you started.

• Install exterior lights that are out of reach and triggered by motion.
• Trim trees and shrubs near doors and windows.
• Don't hide house keys outside - burglars know where to look.
• Consider investing in a security system. Not only does this make your home safer, it can lower your home insurance premiums.

• Have mail and newspapers picked up.
• Leave blinds in normal positions.
• Arrange to have your lawn mowed or your driveway shoveled.
• Tell police and neighbors that you will be away and ask them to watch your home.

2. Be a responsible dog owner

The numbers speak for themselves: According to the Center for Disease Control and Prevention, 40% of Americans homes have a dog. There are 4 million dog bites per year, and dog bites create 33% of all homeowners liability claims - resulting in more than $1 billion in claims per year. Consider these tips to avoid having a claim brought against you:

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• Pick a dog breed that's covered by your home insurance. Ask your insurance agent for details.
• Have your dog spayed or neutered.
• Train your dog.
• Keep your dog on a leash when walking.