Slideshow: Top homeowner claims and how to avoid them Posted in General, Home “Oh, that won’t ever happen to me.” This is a common response homeowners have when hearing about unforgettable damage done to someone else’s home. Whether it be ruined mementos due a broken faucet while you were out of town, a fire caused by a forgotten hair straightener or a break-in while on vacation, people don’t believe it will happen to them, until it does. Water, fire and theft claims are among the most common with homeowners; however, in many cases, easily avoidable. Learn how these top three homeowner claims can be avoided. Water Damage Ways to avoid water damage include: Ensure your sump pump is working correctly Turn off your water when going out of town for any period longer than a weekend Avoid frozen pipes by setting your home temperature no lower than 55 degrees Install a water leak detector Fire Damage Ways to avoid fire damage include: Always blow out candles before leaving your house or going to bed Check your stove and oven to ensure they are turned off Clean out the lint trap in your dryer between every load Test your smoke alarms regularly Theft and Burglary Ways to avoid theft claims include: Don’t post to social media about an upcoming vacation Don’t have packages delivered to your home while on vacation Have a neighbor check in on your house while you are gone for an extended period of time Install a home security system Contact your Independent Insurance Agent today to review your policy and learn more about how you can be best protected in the event that your home is damaged. Disclaimer: This article is for informational and suggestion purposes only. If the insurance policy coverage descriptions in this article conflict with the language in the policy, the language in the policy applies. Share via: Facebook Twitter LinkedIn Email Related resources Water damage to your home – why it happens and how to prevent it Posted in General, Home 14,000 people in the U.S. experience a water damage emergency at home or work each day. Water damage is typically messy, can be hazardous and depending on the root cause for the damage, a costly nightmare. Homeowners’ Insurance 101 Posted in General, Home A standard homeowners’ policy covers three areas: structure, belongings and liability. We break each of these down for you so you are better prepared when meeting with your independent agent.