Things You Can Do to Reduce the Chances of Filing a Claim on Your Homeowners Insurance Policy during the Holidays

Things You Can Do to Reduce the Chances of Filing a Claim on Your Homeowners Insurance Policy during the Holidays

For most people, a home is likely to be the most expensive purchase they ever make in their entire lives. Given how important your home is and how much of  a financial investment it is, it makes sense to take steps to protect it. One of those is to carry a solid homeowners insurance policy. Of course, the hope is that you never need to use it, and with the holidays coming up, there are some things you should do to improve your chances.

Light It Up

Poor lighting both inside and outside of your home can make your home less safe than it could be. When people can see better, they’re more able to see things that would otherwise trip them up and cause them to fall. Since slips, trips, and falls can result in serious injury, making sure your home is well lit is definitely an important move to make. Take a look at the exterior of your home the next time you’re outside at night and make note of any places that could benefit from a little extra light.

Clean It Up

It’s a lot harder to slip, trip, and fall if there isn’t really anything to slip on or trip over. If you take the time to clean up around your home, you’ll not only be making your home more tidy, but you’ll also be reducing the risk of someone getting injured on your property. Clean up your yard and sidewalk. If you live in an area prone to freezing temperatures and snow, take steps to keep your walkways clear of ice and snow.

Clean It Out before You Light It Up

The fall and winter holidays bring brisk, even freezing temperatures with them, which is enough to make anyone want to cozy up by the fireplace. Chances are that you haven’t used yours since the end of last winter, which means you’ll need to clean it before lighting it up again this year. Having your fireplace and chimney professionally cleaned can reduce your risk of a chimney fire which could otherwise devastate your home.

The best way to reduce your chances of needing to file a claim on your homeowners insurance policy is to take steps to reduce the chances of accidents happening on your property. Most things you can do will fall under the category of general home upkeep and maintenance. If you didn’t already have enough reasons to keep your home in good condition, you can add making it safer during the holidays to your list.

Insurance can be a little tricky to understand sometimes. Read this next to get a better feel for how home liability coverage works: Understanding Home Liability Coverage.

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