What You Can Do to Reduce Home Insurance Costs this Winter

Avoid common homeowners insurance claims this winter.

While winter might make you think of holiday fun, insurance professionals know that winter is a time of increased risk for homeowners.  This is because the winter months see a higher rate of weather-related damage, home robberies, and liability issues.  While having the right homeowners insurance in Los Angeles, California, can protect you from these risks, there are other precautions that you can take as well.  Here's what you should do to avoid these costly insurance claims this winter.

• Fires

During the holiday season, many homeowners light up candles or get a fire going in their fireplaces to create a cozy vibe.  Unfortunately, many homeowners forget to snuff out their candles or accidentally leave their fires burning after they go to bed.  This can cause a fire to spread throughout their home.  The best way to prevent fire damage this winter is by avoiding candles and your fireplace altogether.  However, if you insist on lighting up, then make sure that you clear all flammable items away from lit candles and your fireplace.  Additionally, never leave a fire unattended.  Taking these precautions should save you from having to file a fire claim this winter.

• Guest Injuries

Many homeowners also end up filing claims for guest injuries during the winter months.  There are several things that you can do to reduce the chances of someone injuring themselves on your property.  For instance, if ice forms on your property, then make sure to remove it before someone accidentally slips and injures themselves.  You can also avoid guest injuries by declining offers to help you put up your holiday decorations.  Finally, if you are hosting a holiday party at your home, then make sure your guests do not overindulge.  Monitoring your guests' alcohol intake will ensure that they do not hurt themselves or someone else while in an intoxicated state.

• Theft

There are more theft claims in December than any other month of the year.  This is because many burglars wait for the holiday season because they know there is a greater chance of expensive gifts being in the home.  To prevent break-ins, make sure to lock all your windows and doors before leaving your home or retiring for the night.  Additionally, you should consider investing in a home security system, so an alarm sounds if a burglar tries to enter your home. These are some of the things that you can do to prevent costly home insurance claims this winter.  Do you have further questions about your homeowners insurance in Los Angeles, California?  If so, then contact the experts at Fuller Insurance Agency in Southern California.  We are ready to get you the coverage that you need today.