keep your home insurance premiums down

Winter is a busy, busy season! With all of the parties, holidays, get togethers and shopping trips that you need to make, it’s no wonder that many of us both enjoy and dread this holiday season. The winter is also a time where there are a record number of accidents, fires, and other issues that arise for homeowners, who are forced to use their home insurance in order to cover issues and damages. If you would like to keep your home insurance premiums down and use your insurance when you really need it, there are some preventative measures you can take before the real cold snaps hit!

First, take all the precautions you can concerning your plugs, outlets and electrical systems, so that you can avoid electrical fires. Electrical fires are, unfortunately, common during the winter season since people are inside more, have more things plugged in, and use more lights and outlets in general. Make sure that your outlets are not overloaded with too many plugs. Try replacing some of your light bulbs with LED lights that don’t get as hot and use less energy. Be sure to also use timers so that you don’t forget to turn your lights off, indoor or outdoor.

Second, make sure that your fire detectors and carbon monoxide detectors are in good working order. The most important safety features in your home rely on you to make sure that they are in proper working order before you need them. A battery check only takes a few minutes, and it could save your life.

Finally, make sure that your home insurance policy is covered through a brokerage like ours at St. Clair Insurance Brokers Inc. Contact us today to learn more.