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Home security |
- Do install deadbolt locks, window grates, bars, and smoke/fire/burglar alarms.

- Do install exterior lights with motion detectors out of easy reach.
- Do trim back trees and shrubs from around doors and windows.
- Do establish a routine to assure regular locking and activation of alarm systems.
- Do notify police if suspicious strangers are seen in your neighborhood.
- Do arrange to have mail stopped or picked up while away for extended periods of time.
- Do stop newspaper delivery when gone for any long period of time.
- Do ask a friend or neighbor to dispose of circulars that are left while you are away.
- Do ask dependable neighbors and police when you plan to be away for a long time.
- Do not give personal information to unidentified telephone callers.
- Do not announce personal plans in ads or public notices.
- Do not leave house keys with vehicle keys in a commercial parking lot with an attendant.
- Do not “hide” keys in “secret” locations outside your home.
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Pool safety |
- Construct fencing around the pool area to prevent unauthorized access and use.

- Never leave young children unsupervised – even for a few seconds.
- Keep children away from pool filter devices.
- Keep electrical devices a safe distance away from wet surfaces.
- Regularly check the area for dangerous articles and potential hazards.
- Stay out of the pool during rain or lightning storms.
- Don’t swim alone or allow others to swim alone.
- Assure that all pool users know how to swim or are accompanied by someone who does know how.
- Don’t swim when tired or immediately after eating.
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Outdoor grills |
- Wear a heavy apron and oven mitts when barbequing.

- Use only specially designed fluids to start; never add more fuel if the fire is too low.
- Keep grills on a level surface away from children, the house, garage, and landscaping.
- Soak coals with water before disposing them in the trash.
- Store fuel cylinders outside away from the house.
- Check valves and hoses for leaks regularly and just prior to each use.
- In case of burns, run cool water over the injury for 10-15 minutes and seek medical attention.
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Lawn mowers |
- Check the lawn to remove any dangerous material prior to using your lawn mower.
- Read the owner’s manual before using your mower for the first time.
- Check the blade and wiring for safety hazards prior to use.
- Wear clothing that will protect your body from harm.
- Always start the motor outdoors.
- Never leave a mower running and unattended.
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Winter weather |
- Trim trees and remove dead branches.
- Remove debris from gutters.
- Check smoke and fire alarms for proper operation.
- Check for adequate insulation in attics, basements and walls.
- Repair and insulate pipes.
- Annually service furnaces, boilers, and chimneys.
- Maintain a minimum temperature inside your home of 65 degrees.
- Consider hiring a licensed contractor to survey your home for structural damage.
- Have someone check your home on a regular basis while you are away for an extended time.
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Holiday decorations |
- Keep live trees indoors away from heat and flame.
- Provide adequate water daily to indoor live trees.
- Remove trees promptly if they show signs of drying out.
- Use caution to prevent overloading electrical circuits with too many lights.
- Turn off all decorative electrical lights when not at home and when retiring for the night.
- Have an emergency escape plan known by all family members in the event of a fire.
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Mold hazards |
- Install exhaust fans in kitchens and bathrooms.
- Use air conditioners and dehumidifiers to maintain humidity level at 30% to 60%.
- Don’t let water accumulate under house plants.
- Don’t install carpets in damp areas such as bathrooms and basements.
- Watch for indications of mold growth, such as musty smells or watermarks on walls & ceilings.
- Remove mold promptly by cleaning thoroughly with bleach and water.
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Remodeling |
- Contact your insurance agent to increase coverage to reflect rebuilding costs.
- Keep receipts of additional purchases and add them to your home inventory.
- Assure that contractors and sub-contractors have adequate insurance.
- Ask to see a copy of the contractor’s workers compensation insurance coverage.
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Dog bites |
- Insurers may charge more for certain breeds of dogs known to be vicious or known to have any risk where a previous dog bite history exists. Over a 20 year period, the following types are listed in declining order of fatalities:
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- “Pit Bull”
- Rottweiler
- German Shepherd
- “Husky”
- Malamute
- Doberman Pinscher
- Chow Chow
- Great Dane
- Saint Bernard
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