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Every year, 1 in 15 homeowners will file a home insurance claim. No matter where you live, it’s likely that at some point in your homeownership, one of these instances will happen to you. Some claims are inevitable, but there are a number of things you can do to help reduce your risk of having to file one. 

Here are the most common insurance claims and how you can prevent them:

Wind and Hail 

In New England, we’re prone to strong storms year-round. Wind can arise, seemingly out of nowhere, and uproot trees, cause downed branches, and even sweep the shingles right off your roof. Similarly, even a light hailstorm can cause property damage to your roof and windows.

If a storm is coming, store loose furniture in a safe place and make sure you have enough emergency supplies for at least 72 hours. If hurricane-like wind and rain are expected, you may want to consider boarding up your windows and doors. You can learn more about preparing for a hurricane here

Above all, be sure to monitor the weather. Being prepared is the best defense against significant damage.


There are a number of reasons a fire can start inside and outside your home. From unattended candles and fireplaces to kitchen accidents, home decor, and backyard grills, hazards are around every corner. Even a natural disaster like lightning can send a house up in flames in mere seconds. 

To protect your home and more importantly, your family:

  • Always have working smoke alarms on every floor of your home. 
  • Make an emergency evacuation plan.
  • Never leave open flames unattended.
  • Keep all gas tanks and grills a minimum of 10 feet from your home or other structures on your property. 
  • Don’t use a gas stove or fireplace to heat your home.
  • Ensure electrical wires are out of reach of children and pets. 
  • If you think you smell gas in your home, immediately go outside and away from your home and call the gas company.

Water Damage 

Perhaps one of the most frustrating problems as a homeowner is water damage. It can happen often, especially if you’re in a flood zone or an area prone to significant rainfall, and it may not be covered under your current policy. From freezing pipes in the fall and winter to storms in the spring and summer, you can experience water damage at any time. 

To reduce your risk, make sure doors and windows are properly sealed and gutters are cleaned. Once a year, you may always want to have your roof inspected for loose shingles. 

If you do experience significant water damage, we offer a sump pump coverage amendment. Contact us to learn more about your options


Home insurance protects your physical home and belongings, but did you know it also protects you from a lawsuit? For example, a guest visits your home and they slip and fall on a wet staircase, then sue you for damages. Having insurance will save thousands in court and legal fees.

To help prevent accidents, make sure safety is always a priority before you have guests at your home. If you have a pool or trampoline, ensure that kids are never unattended. Also, keep walkways and staircases clear of debris. You can learn more about hosting safety tips on our blog here.

Theft and Loss

Damage and loss unfortunately happen, but there are a number of ways you can reduce your risk. 

First, even having a security sign in your yard can deter potential intruders. Keep walkways and doorways well lit at night so there are few hiding places and make sure to lock all doors and windows. Having an alarm system can always help protect your home and valuables when you’re in the house or away. To learn more about how to protect your home while you’re away on vacation, read our blog.

We hope these tips help you protect your family and your home. If you have more questions, we work with over 500 independent agents who are ready to help. Visit our website to find a local agent near you: bit.ly/QuincyFindAgent