Knowing homeowners insurance rates

Homeowners Insurance

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

Safeguard your home
Take action to make your home theft-resistant. "Case" your home as if you were a burglar.

• Burglars look for easy targets - make sure your home isn't one of them.
  


• 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.

When you're on vacation:

• 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.

Be a responsible dog owner

• Pick a dog breed that's covered by your homeowners insurance. Ask your insurance agent for details.
  


• Have your dog spayed or neutered.
  


• Train your dog.
  


• Keep your dog on a leash when walking.

Protect your home business
Home businesses are generally not covered under your homeowners insurance policy. You may have only limited property coverage and no liability coverage for your business under your homeowners policy. Research coverage for property and equipment damage or theft, loss of income, and general liability for customer and supplier injuries.

Review your coverage annually
Your homeowners insurance should accurately reflect your home's current value, condition and improvements. Check your policy annually and review your specific coverages so you'll be able to make the necessary adjustments to fully protect your home.