How to Reduce Home Insurance Costs This Winter

Try out these suggestions to avoid home insurance claims this winter.toy home resting on stacks of coins

During the winter months, conditions make property damage, and certain types of liability claims more common.  If you do not want to file expensive home insurance claims this season, then it’s important to prevent household risks.  Take these steps to keep your home insurance costs down this winter.

  • Fires

During the holiday season, many homeowners light up candles or get a fire going in their fireplaces to create a cozy vibe.  Unfortunately, many homeowners forget to snuff out their candles or accidentally leave their fires burning after they go to bed.  This can cause a fire to spread throughout their home.  The best way to prevent fire damage this winter is by avoiding candles and your fireplace altogether.  However, if you insist on lighting up, then make sure that you clear all flammable items away from lit candles and your fireplace.  Additionally, never leave a fire unattended.  Taking these precautions should save you from having to file a fire claim this winter.

  • Theft

There are more theft claims in December than any other month of the year.  This is because many burglars wait for the holiday season because they know there is a greater chance of expensive gifts being in the home.  To prevent break-ins, make sure to lock all your windows and doors before leaving your home or retiring for the night.  Additionally, you should consider investing in a home security system, so an alarm sounds if a burglar tries to enter your home.

  • Guest Injuries

Many homeowners also end up filing claims for guest injuries during the winter months.  There are several things that you can do to reduce the chances of someone injuring themselves on your property.  For instance, if ice forms on your property, then make sure to remove it before someone accidentally slips and injures themselves.  You can also avoid guest injuries by declining offers to help you put up your holiday decorations.  Finally, if you are hosting a holiday party at your home, then make sure your guests do not overindulge.  Monitoring your guests’ alcohol intake will ensure that they do not hurt themselves or someone else while in an intoxicated state.

Take these precautions to avoid costly home insurance claims this winter.  Are you looking for additional assistance with your homeowners insurance?  If so, then contact the experts at ISU-Wissink in Culver City, California.  Our dedicated team is eager to assist you with all your coverage needs today.