Preparing for Children with South Carolina Home Insurance & Child-Proofing Tips

A home that is usually occupied by adults and older children may be a dangerous place for toddlers. Child-proof your home if there is a chance you will be entertaining a young child. Although the liability portion of your South Carolina home insurance may provide compensation for the cost of injuries suffered by a visiting child in your home, we’re sure you will want to do everything you can to make your home safe and avoid accidents and injuries.

How do you child-proof your home? Look for anything that might be hazardous to someone who is a lot smaller than you are, and who is not mature enough to be aware of the dangers.

  • Make pharmaceutical products, cleaning materials and other chemicals inaccessible to children. Lock the medicine cabinet and cupboard under the kitchen sink, or move their contents out of reach of children.
  • Keep young children out of the kitchen to avoid burns, scalds, cuts and other accidents that can happen when food is being prepared.
  • Make sure that bookcases are firmly anchored to avoid the risk of a child climbing and overturning furniture.
  • Be vigilant when a child is near glass – a glass-topped table or sliding glass door could cause serious injury if a child fell against it.
  • Are there attractive items that a toddler might reach for? Move them to higher ground!
  • Ensure that the cords of blinds are not left hanging to the ground – there have been a number of unfortunate incidents involving blind cords and toddlers.

Be aware of all those little things that look innocuous to adult eyes but are hazardous to children. A South Carolina home insurance policy might back you up financially if you’re sued for the death or injury of a visiting toddler, but who would ever want to be defending such a horrendous claim?




What do Burglars Look for?

Purchasing South Carolina home insurance provides protection from losses due to burglary. To make your home less likely to be burgled it’s worth considering what types of property are most likely to be targeted.

Burglars who are checking out a street in the hope of finding a suitable property to break into might look for several features.

  • Hidden entry and exit points, where doors and windows are screened by a high fence or overgrown shrubs, this allows a burglar to get into and out of a house without being seen.
  • Clues such as uncollected mail in the mailbox, newspapers on the lawn or overgrown grass suggest that the occupants of the house might be away.
  • Properties where there is no evidence of a burglar alarm system are attractive to burglars.
  • Houses that probably contain valuable items are likely to be targeted by burglars.  Being able to see valuables from the street, or seeing boxes in the trash that contained expensive items, may encourage burglars to try their luck.

South Carolina home insurance will not prevent a burglar from breaking into your home. Being aware of some of the features of a home that attract a burglar’s attention may help you to address gaps in your home’s security and make it less attractive to burglars.  


Use Your Senses to Detect Signs of Faulty Home Appliances

A South Carolina home insurance policy provides coverage for fire damage to your home or possessions. House fires are often caused by electrical faults, typically because of electrical faults but sometimes because of faulty home appliances.

You probably have at least twenty electrical appliances in your home, ranging from small devices like hair curling tongs to large appliances like a refrigerator or clothes dryer. Electrical appliances can develop dangerous faults, and it’s important to be alert for signs that may be early warnings that an electrical appliance is faulty.

Look for signs of damage or overheating: loose plugs; worn, frayed or cracked cords; exposed wires; scorching, blistering or melting; sparks or smoke.

Listen for sounds of trouble: popping, spluttering, sizzling or buzzing.

Sniff out signs of overload: beware of fumes, smoke or a smell of burning.

Sometimes an appliance shows no outward sign of a fault but when using the appliance you notice that lights flicker or dim, the circuit breaker trips or a fuse blows. Although South Carolina home insurance may compensate you if your property is damaged by an electrical fire, your personal safety must be your highest priority. All of the signs we have described indicate that the appliance has developed a fault. In the event that you do notice anything untoward, don’t use the appliance until you have had it repaired by a licensed electrical contractor.


Feeding a Crowd Safely

Planning a large family gathering in your home? Feeding a crowd on a festive occasion is quite different from day-to-day catering for your immediate family, and when you’re planning your menu it’s important to bear in mind some of the hazards of hospitality. Although the liability portion of your South Carolina home insurance may provide some coverage in case a guest is harmed at your gathering, a little foresight can help to avoid mishaps.

Safe food handling is always important, especially when you’re catering for large numbers in a family-sized kitchen.
•    Use a meat thermometer to check that meats are cooked to a safe temperature.
•    Don’t mix cooked foods and raw foods.
•    Keep hot foods hot and cold foods cold, and remember to take account of the temperature of the room where food will be served.

You are aware of the likes and dislikes, food sensitivities and allergies and other dietary requirements of your immediate family but it’s hard to know about all of your guests’ needs.
•    Make sure that there are options for people who have special requirements, such as for vegan or vegetarian dishes.
•    Label plates that contain ingredients like eggs, nuts, milk, gluten or fish that guests may be allergic to.

Consider the potential for food safety issues when you plan your menu. To set your mind at rest before you start planning a menu it’s a good idea to speak to your agent or insurer about what the liability portion of your South Carolina home insurance policy covers, and ask whether there are any exclusions or limitations for accidents that might happen to your guests.