Why knowing your environment can keep your home protected

March 18th, 2014 by admin

There are a variety of risks and factors that need to be considered for you to ensure your home is as well protected whether you're in the house, out of town or preparing for a storm or other event that could impact your property. 

There are several things you can do to mitigate those risks, which can help you save on insurance expenses while keeping you and your family safe. Knowing your environment can make a big difference. Understanding these factors can help with your safety efforts:

Your neighborhood's drainage:  Does your area flood? How well does it absorb water? Are you at the top or the bottom of the hill? These are all important things to know, because they can make a big difference in whether or not your home floods during inclement weather. If your neighborhood is prone to flooding, your home may be at greater risk.

Trees (or, very tall home risks): It may be nice to have plant life on your property, and a tall tree in your back yard can give it character, but be careful. Should a major storm come through your area and knock that tree over or break a limb or large branch, it could land on your roof and cause substantial damage. You should plan for this risk when evaluating your property.

Know your neighbors: You don't have to be friends with the people who live on your block, but it doesn't hurt to gain an understanding of who they are. If you find a neighbor you trust you can have them keep an eye on your place when you're away.

Working with an insurance provider that operates in your community will help you obtain a risk prevention plan that accounts for your neighborhood.