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When you’re buying home insurance, there are a few steps you can take to lower your rates. One of the most important is improving the safety of your home. This makes you less risky to insure, allowing a property insurance provider to give you a better deal. As a bonus, it also helps protect you, your family, and your belongings. Here are a few tips for improving home safety.

A Guide to Home Safety

1. Add Locks & Alarms

Locks and alarms are two of the most effective ways to keep potential intruders out of your home. Choose sturdy locks with steel cylinders, add deadbolts to external doors, and have strike plates installed with 3- to 4-inch screws to reinforce the door frame. Consider upgrading your window locks or adding bars to ground-level windows.

Install a security system that covers all the windows and doors with 24/7 monitoring services. Not only will an alarm system deter most intruders, but it will also ensure quick emergency responses if someone does try to get in.

2. Install Fire Safety Equipment

InsuranceSmoke detectors should be installed in each bedroom within your home, as well as in the hall outside each sleeping area. There should be a minimum of one alarm on every floor.

Smoke detectors will give you the earliest possible warning of a fire so that you can evacuate the home. Make sure each floor has a fire extinguisher, especially in high-risk areas like the kitchen. Test them each year and replace or recharge depleted ones.

3. Inspect Utilities & Fixtures

The main cause for fires or other types of property damage is broken or malfunctioning utilities. Fires can start from faulty wiring, and a leaking pipe can flood the house, causing water damage and mold. Schedule inspections with professional plumbers and electricians once a year to identify problems early. Repairing them as soon as they’re discovered will help to avoid more extensive damage and costly repairs down the road.

 

For more ways to protect your home and lower your insurance rates, contact Comaltex Insurance Agency Inc. in New Braunfels, TX. These agents have been serving the Hill Country area for over 70 years. This locally owned and operated agency offers a wide range of policies for homes, vehicles, and businesses, and has developed a reputation for trustworthiness and customer service. Call (830) 625-7511 or visit their website to learn more.

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