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Homeowners Insurance Benefits

By Compuquotes Team on March 27th, 2008
Homeowners Insurance

If you have recently purchased a home then the first step you need to take is to protect your investment. The homeowners insurance industry is highly competitive and there are literally hundreds of companies offering thousands of different policy options to you. It is totally expected for you to be lost.

You should first make your home more theft resistant, take a look around your home and imagine you are an intruder. You may want to install exterior lights that have motion sensors attached to them, as well as keep the trees and plants near your windows and doors neatly trimmed. Rule to the wise is to never under any circumstance leave your keys outside because criminals know exactly where to look. For the maximum amount of security you may want to install a home security system, which can also save you a lot of money on your homeowners insurance.

You can further improve your homes security by installing smoke detectors, dead bolts, fire extinguishers, and set up neighborhood watch areas. If you invest in a home security system you can have your home connected to a third party monitoring company.

If you are planning on going out of town you should take a few steps to make your home less vulnerable to thieves and other criminals. First arrange for someone you know to pick up your mail and newspapers, leave all of your blinds in normal positions, and let your trusted neighbors and nearby family know that you will be away.

If you own a dog and are still considering homeowners insurance then you need to be a responsible dog owner, especially until you get some liability coverage for your pet. Almost half of American households have a dog, and there are 4 million dog bites and attacks every year. Think about this one, about one third of all homeowners insurance claims for liability is because of dog bites, causing more than one billion dollars in claims each year.

There are a few simply steps that you follow to dramatically lower your chances of being involved in a lawsuit over your animal. First you should go with a breed that is covered by homeowners insurance companies, have your dog spayed or neutered, train them efficiently, and keep them on a leash while in public.

If you own a home based business then you should know that generally they are not covered under a standard homeowners insurance policy. With a homeowners insurance policy you may have limited property coverage, but no liability.

You should also check with your state's Department of Insurance to determine whether you need workers' compensation for your personal housekeeper, nanny, cook, gardener, or other domestic employee.

Be sure to go over your insurance policy thoroughly. You should find that your homeowners insurance should reflect your homes value and condition. It is wise to review your policy each year so you know what coverage you have and will be able to make any adjustments if you need to.

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