Fire departments respond to almost 350,000 home fires per year in the United States. In many cases, these fires have devastating consequences, including injury or death. You can help prevent a house fire by taking proactive measures at least once a year.
At Bronson Insurance Services in Oak Creek, WI, we’ve developed this safety checklist to help.
Your Annual Fire Prevention Checklist
- Conduct a home inspection. Once a year, take time to walk through your house and ensure your house number is visible from the street, all windows are open as expected, dryer vents are cleaned, escape routes are clear, and outlets and powerstrips aren’t overloaded.
- Change your fire alarm batteries. Change the batteries in your smoke detectors at least once a year, even if they’re hardwired.
- Print a new monthly smoke alarm testing log. Test your smoke detectors at least once a month to ensure they work and replace any defective smoke detectors right away.
- Service your fire extinguishers. Once a year, a qualified professional should service your fire extinguishers to ensure they’re still in good working order. Replace any extinguishers that are 12 years old or older or that your service technician has recommended replacing.
- Review your escape plan with your family. Many families implement an escape plan when they first move into a house and then file it away. When faced with a house fire, it can be challenging to remember the routes and meeting places you agreed upon when you drafted your escape plan. Review once a year to 1) keep your plan on top of your mind and 2) make any changes needed as the property or family evolve.
Reach Out To Us
To learn more about protecting your home and family from fire and other natural disasters, connect with us at Bronson Insurance Services in Oak Creek, WI today.
Being informed is essential when you make decisions about home insurance in Oak Creek, WI. Bronson Insurance Services is a great source of information on this vital coverage.
Below are four of the most important things to know about home insurance:
You can choose how much coverage to carry.
Home insurance providers give you various options when it comes to how much coverage you’ll carry. You need to carefully consider how much coverage you need.
The amount of coverage that you need on your home insurance policy depends on numerous factors including the value of your property, assets, and personal possessions within your property.
Home insurance providers offer discounts.
Fortunately, there are a lot of discounts offered by home insurance companies.
You can save money with home insurance discounts if you invest in home repairs and security features. You can also save money by taking advantage of automatic payment features or bundling your home insurance policy.
There are many sources of information on home insurance.
If you want to be as informed as possible about home insurance, then you need to use the resources that you have available.
You can learn about home insurance by using the Internet and exploring the sites of insurance providers. You can also get information on home insurance options by consulting with your real estate agent, neighbors, or local phonebook.
You can choose between an actual cash value policy or a replacement cost policy.
If your home insurance policy offers actual cash value coverage, you get compensated for the current market value of your property if your home is destroyed. With a replacement cost policy, you’ll get the funds to completely rebuild your home if it is destroyed.
Contact Us Today
Feel free to get in touch with us if you want to learn more about insuring your home in Oak Creek, WI. Call or email Bronson Insurance Services to get a policy quote.
Bronson Insurance Services assists the Oak Creek, WI community. We recognize that a disaster may occur at any time. That’s why we are committed to helping our clients find the coverage they need to protect their assets. We offer multiple types of coverage so that our clients are protected in any situation. We look forward to helping you cover what’s most important.
Does Home Insurance Cover Working From Home
Your Oak Creek, WI home is one of your most prized possessions. Home insurance helps you protect your asset. Your personal items inside the home are covered if something happens to them. The structure of your home is covered against potential damages. This helps alleviate stress if an accidental fire starts in your home or a tornado moves into the area and causes damage. Liability coverage is also an important part of your policy. You are covered if you invite a guest over, and they suffer an injury on your property. Liability coverage also protects your pets if they cause accidental damage to your neighbor’s home.
Working from home continues to grow in popularity. If you are currently working from home, home insurance doesn’t automatically cover your business. You’ll have to amend your policy to cover both your business and any necessary equipment. Amending your policy to add extra property coverage protects you if any of your work-related equipment is damaged or stolen. You are also covered if something happens to your home office. You should add extra liability coverage because working from home does carry some risks.
Bronson Insurance Services Will Help You Protect Your Assets
Visit our website to learn more information about home insurance.
Most of the time, people buy their homeowner’s insurance for a house that is already built. Since you are building your house from scratch, how can you ensure a home that physically does not exist yet? After all, you have already paid for the land and perhaps paid a deposit to your contractor or purchased building materials, so if anything goes wrong now, you may suffer significant financial loss.
Luckily in Oak Creek, WI, folks at Bronson Insurance Services can help protect your most significant investment right from the start while it is still being built. A Builder’s Risk policy was designed for this specific need. It covers any loss incurred while the house is under construction. It protects everything from the time construction starts and remains in place until a predetermined date after the construction is finished. The policy provides reimbursement for when things go wrong with building materials, machinery used, equipment used on the building site, permanent fixtures, construction debris removal, pollutant cleanup, blueprints cost, landscaping, etc. Some policies may also include liability coverage in case anyone gets injured during the building process.
The best part about taking out a Builder’s Insurance Policy is that you may choose not to have to pay the premiums yourself. When you draw up your construction contract, it may include a clause that the contractor must take out a builder’s risk policy as part of that contract. Of course, you may want to take a policy out yourself to ensure sufficient coverage when calamity strikes.
Life is unpredictable, and a lot can go wrong when building a house from scratch. A builder’s Insurance policy guarantees that you or your contractor will obtain funds to repair or rebuild in case of a loss. To discuss your exact needs, contact Bronson Insurance Services in Oak Creek, WI for details.