Know Your Role
Protect, Prevent, and Save
Home insurance is a partnership. Discover how taking proactive steps can prevent losses, protect your wallet, and keep your insurance working for you.
Prevent Problems Before They Start
Taking care of your home isn’t just about appearances—it’s about stopping issues before they turn into costly claims. Here’s how:
- Clean Dryer Vents: It’s quick, it’s easy, and it can help prevent one of the most common causes of house fires.
- Keep Walkways Clear: Your next home delivery could turn into a costly liability claims if someone suffers a fall on your property.
- Check Your Roof Annually: Check for loose or worn shingles and repair them promptly.
- Aging Appliances: Old wiring or malfunctioning units can lead to fires or water leaks.
- Quick Tip: Jot these down as part of your seasonal to-do list—your home (and your wallet) will thank you.
New Risks Need New Awareness
We love our gadgets, but some come with risks you might not think about. For example:
We love our gadgets, but some come with risks you might not think about. For example:
- Lithium Battery Fires: Used in devices like lawnmowers and golf carts, improper storage of these batteries has become a growing cause of home fires. Help prevent disasters by investing in a fireproof storage device and avoid purchasing off-brand batteries (those not produced by the original manufacturer)..
- Improperly Installed Solar Panels: Improperly installed solar panels or wiring can damage roofs, cause an electrical fire, may be dislodged in a storm, and create other headaches..
- Cyber Attack to Smart Home Devices: While convenient, devices like connected thermostats or cameras can pose cybersecurity risks if not secured properly.
- Quick Tip: Store and use gadgets safely, and always hire licensed pros for big installations.
Safety Can Save You Money
Did you know your insurer might reward you for making your home safer? Here are a few examples of upgrades that could help you save:
Smart Devices
- Water leak detectors, smoke alarms, and security cameras.
Alarm Systems
- Monitored fire and burglar alarms.
Storm Prep
- Storm shutters, roof reinforcements, and impact-resistant windows.
- Quick Tip: Ask your agent which upgrades qualify for discounts—you might be surprised at how much you can save while protecting your home!
Secure Eligible Discounts
Don’t Get Scammed—Stay Ahead of Fraud
Unfortunately, Florida is one of the leading states for insurance fraud. Stay savvy to avoid common scams like these:
- Free Repair Offers: If it seems too good to be true, it probably is.
- Vague or Inflated Bills: Always ask for detailed invoices and double-check that work was completed as promised.
- Consult With Your Adjuster: Your insurance company is on your side. Call your insurer directly if you’re unsure about any offers or agreements.
You Hold the Key to Your Coverage
Home insurance works best when you know how to play your part. Here’s what that looks like:
Keep Your Policy Up to Date
- Got a new roof or a big renovation? Talk to your agent to make sure the new additions are covered properly.
Document Everything
- Photos and receipts are your best friend if you ever need to file a claim.
Stay Prepared
- Understand your policy, know your risks, and have a plan for emergencies.
Communicate With Your Agent
- If you’re unsure about coverage or have questions about discounts, call your insurance agent for guidance.
Take Control of Your Home’s Protection
Your home is one of your biggest investments, and a little proactive effort goes a long way in protecting it. From preventing costly claims to staying ahead of new risks and even saving money on your policy, the right knowledge can make all the difference.