What Are the Top Home Insurance Claims?

What Are the Top Home Insurance Claims?

Understand how to protect your home from frequently-filed home insurance claims.

Your homeowners insurance is designed to protect your property in the event of a disaster. Although most homeowners are required to purchase this coverage, no homeowner ever hopes to need it and use it. However, accidents happen and claims must be filed. To help you understand where common risk lies, check out these common home insurance claims and how to better protect your property. 

Theft

Being a victim of theft can be a traumatic experience. Your home is full of valuables and sentimental treasures, and losing them can be both a financial and psychological hardship.

Prevention tips:

  • Invest in an alarm system
  • Never leave a key outside (even if it’s in a well-hidden location)
  • Lock all doors and windows when you leave the house
  • If you are leaving town for a couple days, ask a trusted neighbor or friend to check in on the property regularly

Fires

Home fires are some of the most devastating claims. Fires can spark easily and cause significant damage within seconds. Recovering from fire damage can be very difficult, so make sure you take steps to prevent fires at all costs.

Prevention tips:

  • Never leave the stove or oven unattended when in use
  • Avoid the use of plug dividers as this may overload the electrical circuit
  • Ensure all high-energy appliances do not operate at the same time on the same circuit
  • Never leave candles unattended
  • Leave plenty of empty space around a space heater
  • Do not wear loose clothing or long sleeves while cooking

Natural Disasters

Hail storms, strong winds, and other natural disasters can severely damage your property. The natural disaster is out of our hands, and we can only do our best to minimize damage through:

  • Storing patio furniture and the BBQ inside
  • Making sure the roof (your home’s first line of defense) is in good condition
  • Having supplies on hand to survive the first 72 hours of an emergency

Even with all of your precautions in place, a solid homeowners insurance policy that can cover you against all of the potential threats hovering around is key to securing financial safety. For quality insurance in Phoenix and surrounding cities in Arizona, contact American Premier Insurance today!