How to prevent a claim

• Take Necessary Security Precautions

• Look at your property from the view point of a burglar. If you notice a weakness, take measures to secure that weakness.
• Don't hide your spare keys outside.
• Install motion sensitive exterior lights.
• Consider installing a security system.

• Homeowners

• Stay proactive. Always look for new threats.
• Watch weather forecasts to prepare your home and family for potential damages.
• Keep trees well groomed to prevent old branches from falling and causing injury.
• Keep your sidewalks, stairs and driveways clear of icy buildup during winter months to help prevent the possibility of slips and falls.
• If you are a dog owner, make sure your dog is well-trained and always on a leash when being walked. Having your dog spayed or neutered lowers the likelihood that they will bite.

• Business Owners

• Make sure to keep your floors and entryways dry and clear of wet or icy buildup.
• If your floor is wet, be sure to use the proper signs to indicate the potential hazard.
• Keep carpets straightened and free of bumps or folds to prevent accidental trips.
• Don't keep all of your valuable equipment in one location. This can provide an easy target for potential burglaries.
• Make sure your policy provides enough coverage for all of your equipment.

Tips for making the claims process easier

• Take an inventory of your possessions



• Keep a record with descriptions (model/serial numbers, purchase dates) of all valuables, appliances, electronics and other personal possessions.


• Help substantiate ownership by keeping a photo/video record to accompany your list of possessions.


• Try to keep copies of receipts for your purchases.


• Don't try to keep one large list for your inventory, break it into smaller lists by room to help keep it more well organized.


• Remember to inventory you closets, attic, basement and garage.


• Update your inventory after new purchases.


• Try out the free home inventory software provided by the Insurance Information Institute at KnowYourStuff.org.


• Click here to check out our tips for a successful photo/video inventory.




• Keep your important documents safe



• Store important documents in a safety deposit box, fire-proof safe or other safe location outside of you home.


• Items to store in a safe location:


• A copy of your Insurance Policy
• Your Home/Business Inventory (List, Pictures, Videos)
• Birth Certificates
• Social Security Cards
• Passports
• Marriage Certificate
• Titles/Deeds