Your home is the place in which you feel safest. It protects you from many hazards that are prevalent outside.
Unfortunately, there are a lot of dangers lurking around your home. Under the right conditions, you could be exposing yourself to liabilities. When you know what potential risks threaten your safety, you can protect yourself.
Boats May Attract Thieves
Boats are a high-dollar item that may attract thieves. Thieves know how expensive boats are. They often assume homes with boats may have other expensive items.
Even if you don’t have other luxury items, the fact that your boat is outside your home could lead to a home invasion. Secure your windows and doors to prevent thieves from gaining easy access to your home. If you can, store your boat out of sight of major roads or places where it could be easily spotted.
Avoid Dangerous Pets
The Internet gives us the ability to buy exotic animals from all across the world. These days, many people are buying exotic animals. They might have dangerous domestic animals like vicious dogs.
These pets can lead to a lawsuit if they harm another person. Although your home insurance may cover you, it’s in your best interests to avoid a lawsuit by owning animals that aren’t a danger to your neighbors.
Recreational Items Could Lead to Injuries
Another potential risk you may be unaware of is the risk recreational items present. Pools and trampolines could lead to injuries when a guest visits your home. A neighborhood child could fall off your trampoline or he or she could slip and fall in your pool.
In both cases, the child could injure himself or herself seriously. You can reduce injury risks by installing a fence around the perimeter of your property. You can also secure your trampoline and pool with a lock. Additionally, ensure that an adult is always present when children use these items. Supervision and rules are the best way to keep injury risks low.
Dilapidated Buildings Can Be a Risk to Your Home Insurance
If you have unkempt structures around your property, you may be setting yourself up for a lawsuit. Homeless individuals or neighborhood kids could use abandoned buildings for shelter and recreation.
Unfortunately, allowing others to camp out in your abandoned building could cause problems. Someone may get hurt, or may start a fire. You can prevent this by maintaining all the buildings on your property or tearing them down if you don’t use them.
Your home is your safe place. However, if you aren’t careful, it could be a place riddled with hidden liability risks. Examine your home to uncover hidden risks. Remedy the problems as soon as possible to avoid a home insurance claim.
If you need San Jose home insurance, the team at Mitchell & Mitchell Insurance Agency, Inc. is here to help you. Call us at (888) 512-8878 for more information.