Month: May 2025

The most common causes of injuries and deaths in the home are poisoning, choking, falling, drowning, and fires. Many of these accidents or deaths are preventable with proper risk management. At Surety Ins Inc. in Alabama, our team of independent insurance specialists can help you identify areas of danger and provide the information you need to take necessary preventive measures. Some home policies even offer discounts for home improvements that help prevent injuries.

Fire and Flames

Every home should have smoke detectors installed. Ideally, they should be hard-wired; however, it’s still important to change the batteries every six months to ensure the detectors remain functional, even during power outages. Residents of all ages are at risk from fires and flames. Having a fire extinguisher or fire blanket readily available, especially in high-risk areas such as kitchens or barbecue areas, is crucial.

Poison

Poisoning is by far the most common cause of preventable deaths in Alabama. In most cases, this is the result of drug overdose, but there are many different causes. Medications need to be stored in a place that is safe from children and teens. Garden and cleaning poisons also need to be stored in a location where they are not easily accessible to curious children and pets.

Falls

Falls are the most common cause of injury and death for those 63 years of age and older. You can make your home safer by ensuring all hallways and stairs are free from clutter, placing extension cords along walls, avoiding the use of throw rugs, and never climbing without a spotter. Handrails in the shower and in any area where stairs are present are also essential for preventing falls.

Contact our team at Surety Ins Inc. in Alabama by phone or through our website to discuss your home insurance needs.