Yuma Homeowners Insurance

Yuma homeowners insurance policyholders have the advantage of living in one of the sunniest and warmest places in the country. Yuma averages temperatures just under 70 degrees in December. That's definitely worth a trip out to Arizona to see that long-lost uncle or aunt while escaping that holiday blizzard in and around Lake Erie, right? No one ever said Santa Claus visits only cold climates, after all. AZ hasn't banned Christmas, as far as we know.

Still, while you're getting that first-ever December tan in the weather, Uncle Ernie or Aunt Dottie are just like many other Yuma homeowners insurance holders, with problems and ongoing concerns that they need to be aware of. While Yuma is a haven for those looking for year-round warm weather, there are still things long-time Yuma homeowners insurance policy holders have to be aware of that can play havoc with their policy. Let's take a look at some of them, and how Yuma homeowners insurance holders can stay safe while enjoying the winter weather in AZ..This way you and your long-lost northern relatives can enjoy the holidays in peace. (Probably.)

Trouble Under the Sun: Theft Protection

Yuma homeowners insurance policyholders have plenty of add-on options when buying insurance for that new home. But since Yuma homes average over $100,000 in value, it's always important to protect the Arizona homeowners insurance investment, especially in a favorable weather spot like Yuma. Most homeowners insurance policies have an option for extra theft protection insurance, but there are many other ways you can protect the family home in AZ on top of tweaking your homeowners insurance policy.

Installing lights and strengthening your locks is a quick and easy way to make your home less of a target for practicing burglars. You may be on the road or away for the weekend, but all good Yuma homeowners can sleep soundly or play with the kids in peace knowing that a well-lit backyard is going to keep a burglar away. Or those new sets of deadbolt locks and double key locks (for the sliding glass doors, naturally) will frustrate some would-be burglar long enough for a kindly neighbor to call the police.

Speaking of the neighbors, one of the keys to a happy home area is getting to know them. It allows you to feel comfortable in the neighborhood, and everyone will look out for each other. With that in mind, you could always give a spare key to a trusted neighbor. On top of that, most Yuma homeowners insurance policies include discounts if you install a burglar alarm system in the house. It's another investment for your home that increases its value, and easily puts you and other Yuma homeowners insurance policyholders at peace.

Beating the Heat: Fire Protection

Of course, there are other issues that Yuma homeowners insurance policyholders have to be aware of. The Yuma weather is not known for having much of a rainy season, so it's best to be prepared should the arid desert area rear its ugly head and cause a home fire. The first thing any good homeowners insurance policyholder should do is install a smoke alarm, if the previous homeowners hadn't already. If they have, run a check to see if it's properly functioning. Start from there, and then fireproof your house, in a manner of speaking.  By fireproofing your home you can lower your premium amounts.

The easiest way to do that is to take inventory of everything in the house. Where are the fireplaces? Granted, you're in Arizona, so they're mainly for show anyway. Still, you know what is said about those that assume, so do your due diligence and clean that chimney. Make sure that you have easy to remove windows and a collapsible ladder handy just in case. Multiple smoke alarms and fire extinguishers are essential to make sure your home is safe and the threat of a major fire is at the very least, lessened.

If worse comes to worse and you find yourself in the middle of a home fire, make sure that you and your family have planned out an escape route beforehand. It can take mere moments for a small flame to mushroom into something truly serious, so be prepared and think fast. Always have two possible escape options in case the main one is blocked by smoke or fire. Never open doors that are hot to the touch. Have a meeting area designated outside where the family can be safe.

Should you do these things, your experience as a Yuma homeowners insurance policyholder will be a good one, and you'll be the one inundated with relatives desperate to spend the holidays away from the deep freeze of the Northeast, instead of Uncle Ernie and Aunt Dottie. This is a good thing. (We think.)

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