Category Archives: Secutiry

Using a Fire Safety Ladder From The Second Floor of The Home.

Most people aren’t prepared for a fire when it occurs, which can lead to injuries and deaths that can be prevented. For those who want to protect their family in the event of a fire, there are a few ways to act quickly. To ensure that you’re prepared for a fire and get out of the home safely, there are a few important steps to take.

Use a Fire Extinguisher

Fire extinguishers are essential to have on hand if a fire breaks out in the home. Practice using the fire extinguisher and place it on each floor of the home. You can place an extinguisher in the closet of each bedroom. Areas that are prone to fires should also have an extinguisher available, which includes the kitchen, garage, workshop, and the furnace area. Class k fire extinguishers should be present in kitchens due to grease fires that can start while cooking.

Install Smoke Alarms

Smoke alarms are effective at alerting residents if a fire starts and should be installed on each floor of the home. Opt for placing them inside of rooms near sleeping areas to ensure that residents will wake up if the alarm sounds. Test the fire alarms each month and replace the batteries at least once a year.

Create an Escape Plan

Practice an escape plan with your family every six months to ensure that you’re prepared for how you can exit the building. Designate an adult to be responsible for pets or children. You can also rely on using a fire safety ladder and practice using it from the second floor of the home. There should be two ways to escape from each room of the home before meeting in a safe spot that is away from the building once everyone leaves the property. Residents should also practice how to stop, drop, and roll if their clothes catch on fire.

Practice Calling 9-1-1

Teach each person in the home how to call 9-1-1 if there’s a fire. It’s also important to teach everyone to yell “fire” from windows or doors of the home as you attempt to escape.

Preparing for a fire that can occur will allow you to have peace of mind and confidence if you need to escape the home in minutes. You’ll know the right steps to take to get out of the home safely and can save other lives in the process.

Home Owner’s Insurance Tips That Will Make Getting The Dream Policy Easy

Home Owner's Insurance Tips That Will Make Getting The Dream Policy Easy

Home Owner’s Insurance Tips That Will Make Getting The Dream Policy Easy

Your house isn’t just a house, it is a home for you and your loved ones to share. This is why it is so important to protect your home and pocketbook, by purchasing home owner’s insurance now, instead of waiting for problems to damage your house. Below are a list of tips to help you find the right home owner’s insurance for you.

Make sure that you have a record of everything that is covered under your home insurance. Make a detailed list, and take pictures of all valuables. It also helps to keep receipts for big ticket items. There is free software online that will enable you to create a home inventory, room by room. If you need to make a claim, having all this information on hand will help to speed up the process.

Even if renter’s insurance isn’t mandated where you are living, it is highly recommended. You simply never know what is going to happen. Renter’s insurance covers all your valuables in the case of some disaster like a fire or a flood. Continue reading

Everything That You Will Need To Know About Home Owner’s Insurance

Everything That You Will Need To Know About Home Owner's Insurance

Everything That You Will Need To Know About Home Owner’s Insurance

Home owners insurance can vary greatly from company to company and even policy to policy. How much you pay will depend on the coverage options you choose. So just how does one select the coverage that is right for them? In this article, we will discuss some tips that can help.

Make sure that you have a record of everything that is covered under your home insurance. Make a detailed list, and take pictures of all valuables. It also helps to keep receipts for big ticket items. There is free software online that will enable you to create a home inventory, room by room. If you need to make a claim, having all this information on hand will help to speed up the process.

If you are building an addition to your home or considering a major renovation, check what effect this will have on your homeowner’s insurance rates. Wood-framed structures are considered to be a fire risk, for example, and will raise your insurance rates. Using cement, steel, or other fireproof materials will mean your addition costs less to insure. Continue reading

Useful Advice When Seeking An Insurance Policy For Your Home

Useful Advice When Seeking An Insurance Policy For Your Home

Useful Advice When Seeking An Insurance Policy For Your Home

Obtaining insurance for your home can be a daunting challenge. With so many clauses, contingencies and contracts, not to mention the magnitude of what is at stake for you, it is simply overwhelming. Read on to learn how to navigate your way through the maze of homeowners insurance and be able to make your decision based on knowledge and facts with complete confidence.

Lower your annual home insurance premiums by raising your deductible. The higher the deductible, the less you pay. Even though you will be stuck with footing the bill for smaller problems you may encounter, it is worth it in the long run. Insurance companies tend to raise a homeowner’s premium after any claim they make, no matter how small. Continue reading

Ways You Can Maximize Your Home Owner’s Insurance Endeavors

Ways You Can Maximize Your Home Owner's Insurance Endeavors

Ways You Can Maximize Your Home Owner’s Insurance Endeavors

You never really know just how much insurance you need or what you need it to cover in your home until you examine the entire policy. Before you do decide on a policy, however, make sure that you read the tips offered to you in this article. They will help you out in making an informed decision.

When shopping for homeowners insurance, saving money is key. Having devices such as smoke alarms, carbon monoxide detectors, and monitored home security alarms in place can offer great discounts. Remember to discuss these (and other) safety devices with your agent when negotiating your next homeowners insurance policy.

There are a couple of different ways you can reduce your homeowner’s insurance premiums. An excellent idea is to get a home security system. This will potentially reduce your annual premium by 5%. Remember to notify and offer proof of the new system to your insurance provider. Next, add smoke alarms. This wise decision may save you 10% on your homeowners insurance annually. Continue reading