Things to consider when getting Texas Homeowners Insurance

Unfortunately, once a fire gets started, homes go up in flames quickly and there is usually not much left to save. Luckily, smart consumers carry enough homeowners insurance and have inflation guard insurance in place to rebuild after a fire. Although, you may have homeowners insurance to rebuild, wouldn’t it be better to prevent fires from starting in the first place? Sure, insurance companies can replace the structure of your home, but in most situations, they can’t replace cherished photos, one of a kind antiques, collectible albums or your grandmas crocheted blanket even if you have Texas homeowners insurance. Learn how to prevent fires and protect your home.

The last thing insurance companies want to see is a homeowners insurance claim for fire. New insurance claims cost everybody money, and often fires can be avoided if you’ll just take precautions and use common sense.

Smoke Alarms

Installing smoke alarms in homes has dramatically reduced the number of house fires. Normally, they are not that expensive and placing them near the kitchen and different floors of the home can give you advanced warning of a fire. Once alerted, you can put out a fire before it become unmanageable and save your home.

Fire Extinguishers

All homes should be equipped with a couple of fire extinguishers to put out fires. Keeping one extinguisher on each floor of your home makes them easily accessible and within reach of a fire.

In most cases, relying on water from the kitchen sink or dragging in a hose from the backyard doesn’t work well and takes up valuable time when a fire begins to spread inside your home.

Don’t take unnecessary risks with your family, personal belongings or your home. Pick up a couple of fire extinguishers today. You’ll be glad you did, and you may receive a discount on your homeowners insurance for extinguishers and smoke alarms.

Defensible Space

Whether you live in a suburban neighborhood, the mountains, coastal areas or the prairies of Texas, make sure your home has defensible space. Defensible space is the immediate area surrounding your home. Usually it’s about 30 feet. Preventing a fire not only saves your home from burning, but also reduces your risk of increasing your homeowners insurance premium after filing a claim.

Keeping and maintaining defensible space around your home can make all the difference, according to firefighters, as to whether your home goes up in flames.

• Keep tree branches trimmed away from your rooftop and chimney.

• Never store woodpiles close to the home where they can supply fuel to a burning fire.

• Remove trees and vegetation that grow to close to a home and could catch fire.

• Never store flammable products close to your home and follow safety directions when using these products.

• Keep rain gutters, roofs and yard areas clear of pine needles, dried leaves and debris that could spread a fire.

• If you live in a wooded area, consider thinning trees and clearing brush close to the house.

Whether you live in Texas, New Jersey, California or any other region, don’t add to the rising costs of homeowners insurance by being careless with fire. Monitor outdoor barbecues, teach your children about the dangers of fire, and check your home for new fire hazards. Being prepared and taking fire precautions could mean you’ll never have to experience filing a homeowners insurance claim for fire.

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