Tips to avoid the most common homeowners’ insurance claims

While an insurance policy is a crucial tool to protect homeowners, residents of the Brainerd, MN area should also know it is essential to take various steps to prevent insurance claims in the first place. The agents at Lakes Central Insurance Brokers are happy to provide you with these crucial tips to lower the risk of a claim under your policy.


Fire is a widespread claim made under homeowners’ insurance policies. One of the best ways to help stop a fire from spreading and causing significant damage is by making sure your smoke detectors are operational. It is a good idea to check the detectors and replace the batteries twice a year. 


Another common homeowner policy claim is theft and burglary. One of the best ways to deter burglars is by installing a security system in the house. Also, it is a good idea to have outdoor lighting. As a homeowner, it is important to be in the habit of making sure all the windows and doors are locked when you leave. 

Water damage

Water damage in homes is also a top type of claim for homeowners. If you spot a leak or see water pooling in an area, make sure to bring out a plumber immediately. A small leak can quickly turn into a more significant problem. Washer hoses are also a leading cause of water damage in a home. Homeowners should regularly check the washer hose and repair and replace it as necessary. 

Third-party liability claims 

When a third party is injured on your property, it can easily lead to a costly insurance claim. It is essential to make sure your driveway and walkways are clear from debris, so people do not fall. 

If you are a homeowner in the Brainerd, MN area and are interested in learning more about ways to reduce the likelihood of an insurance claim, please reach out to an agent at Lakes Central Insurance Brokers today.