Here are some of the things that you can do to avoid having to deal with a home insurance claim this winter.

As a homeowner, it's important to understand that your risk for certain home insurance claims increases during the winter months.  With the holidays coming up, the last thing you want to deal with is a costly and time-consuming insurance claim.  To avoid having to deal with your home insurance, here's how you can prevent some of the most common claims.

• Exercise Caution When Decorating Your Home

Many homeowners like to get into the holiday spirit by decorating their homes.  However, inadequate planning and carelessness can put your home, your loved ones, and yourself at risk.  To avoid decorating dangers, account for the number and location of electrical outlets on your property.  This will ensure that you do not overload your outlets, causing them to overheat and catch fire.  Additionally, when choosing your decorations, review the manufacturer's guidelines.  Oftentimes, manufacturers will detail the maximum number of strings that can be attached to each other as well as the maximum wattage of replacement bulbs.  When putting up decorations, make sure that they are kept at least 10 feet away from powerlines.  Any closer and the wind might cause your decorations to hit the power lines, potentially starting a fire or causing a power outage.

• Prevent Frozen Pipes

If you live in an area where winter temperatures drop below freezing, then you face the risk of your pipes freezing over.  When this happens, water builds up until the pipes inevitably crack.  If you want to avoid filing a home insurance claim for water damage this winter, then make sure you keep your home heated to at least 65° F, even when there is no one present in the home.  Keeping your home warm will prevent your indoor plumbing from freezing over.  You can also protect your pipes by leaving all the faucets in your home to drip slightly.  When the water is circulating through your plumbing, there's less of a chance of it freezing. Here's how you can prevent two of the most common winter home insurance claims.  Need to update your home insurance this winter?  If so, then contact the experts at East End Insurance Agency.  Our dedicated team is eager to assist you with all your home coverage needs today.