A home is a place where everyone wants to feel safe. It is all about warmth and family. Safety means a lot of different things. It means being safe from things outside your home, but the home itself also needs to be safe. Having home insurance provides the degree of safety homeowners need. At Prestige Insurance Group in Miami, FL, our dedicated team of insurance specialists has years of experience.
The first thing to do to make your home safer is to do a risk assessment. Consider all the things about your home that are not as safe as they could be. Think about who might be in danger from them and then consider ways to make them safer.
First and foremost, you want to make sure you have working door locks and you use them. Install safety bars on sliders and have windows locked. Having an electronic home security system is something to consider depending on the neighborhood you live in. Make sure bushes are not tall and close to your home. You want anyone around your house to be visible.
Inside your home, many things can make it safer. Know exactly what chemicals you have in your home and who they could be harmful to. If you have children, cupboard locks are a must, and you should be aware of any allergies in the family. Many chemicals and detergents are also harmful to pets so take care of your furry friends.
Home maintenance is also essential. Make sure to get your chimney cleaned before using, change batteries in smoke and carbon dioxide detectors, and have a family plan for exiting your home in the event of an emergency. If you have a pool or trampoline, make sure all safety measures possible are in place.
If you are in the market for home insurance, contact Prestige Insurance Group in Miami, FL for a free quote.
Will Home Insurance Cover My Pets?
If you’re looking for home insurance in Miami, FL, it’s reasonable to wonder if your pets will be covered under your policy. After all, even well-trained pets can cause unintentional damage to your property, possessions, or even to other people. Prestige Insurance Group wants to fill in the gaps for you, so you have a better idea of what you can and can’t file a claim for.
Standard Policy Terms
Under standard policies, home insurance generally does not cover your personal property against pet damage. So if your dog broke your big-screen television or chewed through an expensive piece of furniture, it’s unlikely to be approved for reimbursement. The same is true for the grounds and structure. A rambunctious animal who managed to chew through part of the floor or claw the paint job on the wall is generally not a covered event.
While your own property may not be covered, though, you may be able to cover other people’s property through the liability coverage on your policy. So if your neighbor puts up a fence and your pet puts a hole through it, you may be able to file a claim still. Please note that in Miami, FL, your pet would likely need to be a domestic, personal animal to file for this type of liability coverage. If your animal is used for commercial purposes, then you would likely need to file the damages under a commercial insurance policy.
Talk to a Pro
Prestige Insurance Group wants you to know more about how to protect your home from a variety of threats. We’ve served countless homeowners in Miami, and we’re here to do the same for you. If you have questions about how your pet factors into your policy or you just want to know more about general coverage options, give us a call today.