For most people, one of the most important things they can do is ensure that their family and their home and its contents are protected. In order to accomplish this, there are a few essentials that you should always have to protect your family and your home:
- Smoke and carbon monoxide detectors on every floor – Make it a point to install smoke detectors and carbon monoxide detectors on every floor of your home. Most smoke detectors are sealed now, meaning that there are no batteries to change, so consider purchasing one of these newer detectors. If your smoke detectors do take batteries, then follow the general rule of replacing them twice a year. A good way to remember to change the batteries in your smoke detectors is to do it when the clocks are changed. Most carbon monoxide detectors are plugged into an electrical outlet, but you may also want to consider one that operates on batteries in case you lose your electrical power.
- Fire extinguishers on every floor – Fire extinguishers are essential for your home, as well, especially near the kitchen. Replace them every few years or when the manufacturer recommends, and teach all members of your family (as well as yourself) how and when to use them. If you need guidance on the proper way to use a fire extinguisher, contact a member of your local fire department for a quick tutorial.
- Home security devices – Home security device can be anything from deadbolts to alarm systems. Only you can decide what is best for your family; however, you may also benefit from speaking to a security specialist who can recommend ways in which you can secure your home.
- A comprehensive homeowner’s insurance policy – One of the most important things you can have is a comprehensive homeowner’s insurance policy. Review it annually to make sure it still covers your home and its replacement value, and consider purchasing insurance riders if you want to insure costly antiques or jewelry. If you are looking to save money, resist the urge to lower your benefits; instead, consider raising your deductible to save on monthly premiums.
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