In order to protect your property with home insurance, you need to establish rules in your home that can be grasped and followed by your family members, especially the kids. They are not aware of any danger and they move freely. They pick up the things that they see and they do not care if these would harm them or not. The primary goal is to safeguard them at all times, which will secure the safety of your home from any accidents and untoward incidents. Follow these golden rules and you, along with your children will be safe.
1. Be on Guard
This is appropriate and applicable to kids between 18 months to 5 years old. Although kids ages four and five could understand the dos and don’ts, but you can’t simply leave them alone especially at this critical period where they love to play, explore everywhere, and touch everything that they see, especially if things are unusual for them. Otherwise, let your nannies take care of everything if you have to leave or if you are a working person.
2. Keep “Dangerous Materials” Unreachable
You do not need to play hide and seek just to keep hazardous materials away. It is best to avoid any accident than let things happen because you have not taken precaution. When you protect your property, you are also saving the life of your kids and protecting their future. Keep this in mind so that accidents happening to children within the premises that are beyond the scope of your responsibility would be well assisted and insured.
3. Orient Children
While kids are growing, this is the best time to introduce and discuss the importance of discipline in the home and show them things that are okay and not okay with them to use. Let them know what would happen if they try to use these things and how it could harm them.
4. Check the Electrical Wiring System
If you have toddlers walking around at home, it is best that your electrical wiring and outlets are covered and hard to reach. Ask assistance from electricians or professionals to assist you at best.
5. Follow Home Standard Protection
Just like any building, you should have smoke alarm systems, carbon monoxide detectors, fire extinguishers and security alarms and cameras to avoid further injuries and harms on your kids and in the community, just in case they disappear from the sight of their caretakers.
This is your prerogative and this is how you would protect your property with home insurance from Allianz that will back you up should all your precautionary measures failed.
Originally posted on September 1, 2011 @ 7:26 am