manhole-24108_640How To Reduce Home Hazards A Texas Homeowner’s Insurance Update Our goal is to make 2017 the year where we make our homes as safe as possible.  Your home is your castle, a place where life happens and where you want to keep your family safe.  You buy homeowner’s insurance to protect your assets in the event of a loss, but there are things you can do to minimize your risk and make your home safer for everyone. Help prevent fires – According to the National Fire Protection Association (NFPA), seven people die from home fires every day, half of them in fires that started between eleven o’clock at night and seven o’clock in the morning. Smoke detectors are the best prevention method. Make sure you have working smoke detectors in your home. Place one in every bedroom, the kitchen, garage, and basement. Reduce poisoning – The National Safety Council reports that 90 percent of poisonings happen at home, and are the leading cause of unintentional death.  Keep medicine away from small children, keep all chemicals in childproof cabinets, and talk to your kids about the dangers of mixing chemicals. How to reduce the threat of burglary – The average loss from a home burglary is around $2,400.  Do you think you will ever see your property again? There are ways to reduce the risk of burglary, including having a home security system, keeping all doors and windows locked when gone, installing door and window bars, and installing dead bolt locks. Since your home is your most valuable asset, you need homeowners insurance. It gives you financial protection if something unexpected happens to your home, theft, fire, a natural disaster, or other loss. At J.S. Edwards & Sherlock, we offer a wide variety of homeowners insurance plans that are custom designed to suit your needs. The result is an individualized policy that gives you the peace of mind and protection you need.