6 Threats You Are Faced with as a Homeowner and How to Prepare Your Home

Posted on by agentinsure

As a homeowner, you may know some of the risks that you face. Some of you may not. Either way, it’s likely that you may not be aware of how you can protect your home from any one of these unfavorable disasters. Here are five different threats that you and your home may face here in Evergreen Park, IL:

  1. Hail and High Winds – The best thing that you can do here is to keep any trees that surround your home properly trimmed and pruned. You may also want to consider having exterior shutters installed for additional reinforcement for your windows.

  2. Lightning – When major storms come through Illinois, they bring a lot of lightning. Make sure that your surge protector and power strips in the home are all UL approved and tested. It’s always best to unplug electrical appliances and items that are not needed when a storm is coming in.

  3. Fire – One of the most common reasons a house catches on fire is because of an unattended pot or pan on the stove. Never use water when a fire occurs in the kitchen. In addition, you want to avoid plugging too many devices into any power strip. This can easily cause an electrical fire.

  4. Theft – To help prevent theft, make sure you have plenty of exterior lights. If you aren’t going to be home, put your lights – interior and exterior – on a timer to make it seem like you are home. Don’t forget to hold your mail as well and ensure all doors and windows are securely locked.

  5. Liability – If you have a swimming pool, make certain that it is fenced in. It should also have adequate lighting. If you have a dog, make sure it is always on a leash and is not allowed to approach strangers.

  6. Flood – When a big rainstorm approaches, it isn’t uncommon for your basement to flood. You may also have to deal with a sinking foundation or damage to your porch. Proper drainage is essential to avoid this type of damage.

Every homeowner has their own set of risks, but these are some of the most common. All of these can impact homeowners here in the Evergreen Park, IL 60805 community. If you aren’t sure what risks your homeowners insurance covers, get in contact with one of our independent agents today so we can discuss your policy.