Homeowners insurance is designed to protect you from unexpected losses, but filing too many claims can increase your premiums and, in some cases, even lead to policy cancellation. The best way to keep your insurance rates low is to prevent damage before it happens (and to be sure you have a great credit score, but more on that in another blog).
Take proactive steps to minimize risks and avoid unnecessary insurance claims, here are some examples.
1. Prevent Water Damage 💧
Water damage is one of the most common homeowners insurance claims—and also one of the most preventable.
✔️ Inspect your roof annually for leaks, missing shingles, or weak spots.
✔️ Clean gutters regularly to prevent water from backing up into your home.
✔️ Install a sump pump and water sensors in basements to prevent flooding.
✔️ Check for plumbing leaks under sinks, around toilets, and near appliances.
✔️ Insulate pipes in winter to prevent freezing and bursting.
🚨 Tip: Many homeowners insurance policies do NOT cover flooding—consider adding flood insurance if you live in a high-risk area.
2. Reduce the Risk of Fire 🔥
House fires can cause devastating losses, but small safety measures can greatly reduce the risk.
✔️ Test smoke detectors every six months and replace batteries as needed.
✔️ Keep a fire extinguisher in the kitchen and garage.
✔️ Avoid overloading electrical outlets and check for frayed cords.
3. Protect Against Theft & Vandalism 🏡
A burglary or vandalism claim can lead to higher insurance premiums—or worse, personal loss.
✔️ Install a home security system (many insurers offer discounts for this).
✔️ Use motion-sensor lights around your home’s exterior.
✔️ Keep doors and windows locked—even when you’re home.
✔️ Avoid posting vacation plans on social media (thieves look for this).
✔️ Store valuables in a safe and keep an inventory for insurance purposes.
🚨 Tip: Let trusted neighbors or friends watch your home when traveling to prevent burglaries.
4. Maintain Your Home & Property 🛠️
Small maintenance issues can turn into big insurance claims if ignored.
✔️ Trim trees and remove dead branches to prevent storm damage.
✔️ Repair loose steps, railings, and walkways to avoid liability claims.
✔️ Check your foundation for cracks and signs of shifting.
✔️ Seal windows and doors to prevent drafts and leaks.
✔️ Inspect your HVAC system yearly to avoid costly breakdowns.
🚨 Tip: Many insurance claims can be denied if the damage is caused by lack of maintenance—stay proactive!
5. Take Storm Precautions ⛈️
Storms can cause roof damage, flooding, and power outages—but you can minimize the impact with preparation.
✔️ Secure outdoor furniture before storms to prevent flying debris.
✔️ Install a backup generator to prevent power surge damage.
✔️ Review your policy for storm coverage (some damage may require extra protection).
6. Prevent Liability Claims ⚖️
Homeowners insurance includes liability coverage, which protects you if someone gets injured on your property—but prevention is key.
✔️ Fix uneven sidewalks and driveways to prevent trip-and-fall injuries.
✔️ Secure swimming pools with fences and safety covers.
✔️ Supervise pets and ensure they’re properly trained (dog bites can lead to lawsuits).
✔️ Limit alcohol at gatherings to avoid potential liability for guest injuries.
🚨 Tip: Consider umbrella insurance for extra liability protection beyond your homeowners policy.
Final Thought: Be Proactive, Stay Protected
The best way to keep insurance costs low and avoid unnecessary claims is by taking preventative action. Regular maintenance, security upgrades, and responsible homeownership can protect your home, your finances, and your peace of mind.
📞 Need help reviewing your homeowners insurance? Call us today!
📞 (651) 760-8369
📞 (715) 781-8217
📞 (218) 741-0000
📞 (608) 755-1027
📱 Text Line: (651) 273-1143
📧 Email: hi@aspireinsurancegroup.com
At Aspire, our goal is to help homeowners stay ahead of risks, avoid costly claims, and ensure they have the right coverage when it matters most.