Dwelling coverage protects the structure of your home. That includes your walls, roof, floors, and built-in systems. If a hurricane damages your roof or a fire destroys a wall, this is what pays to rebuild.

Other structures covers things like a fence, detached garage, or storage shed on your property.

Personal property protects your belongings — furniture, electronics, clothing, and more. If a covered event damages or destroys them, this coverage helps replace them.

Loss of use (also called additional living expenses) pays for a hotel or rental if your home becomes unlivable after a covered loss. This one surprises many homeowners. It’s worth knowing you have it.

What Standard Policies Do NOT Cover in Florida

This is where many South Florida homeowners get caught off guard.

Flood Damage

Your standard homeowners policy does not cover flooding. Not from a storm surge. Not from a river overflowing. Not from heavy rain that soaks into your home from the ground up.

Florida has more flood zone properties than almost any other state. If your home floods and you don’t have a separate flood insurance policy, you pay out of pocket.

External resource: Check your flood zone status through FEMA’s Flood Map Service Center.

Sinkholes

Standard policies typically exclude sinkhole damage. Florida law does require insurers to offer sinkhole coverage as an add-on, but it’s not automatic. Ask your agent if you’re covered.

Wear and Tear

Insurance covers sudden, accidental damage — not gradual deterioration. A roof that’s leaked for years due to neglect is not a covered claim. Regular maintenance matters.

Understanding Your Hurricane Deductible in Florida

Here’s something every South Florida homeowner needs to know. Your hurricane deductible is not a flat dollar amount like $500 or $1,000.

It’s a percentage of your dwelling coverage — typically 2% to 5%.

So if your home is insured for $400,000 and you have a 2% hurricane deductible, you pay the first $8,000 out of pocket before your insurance kicks in. At 5%, that’s $20,000.

This applies any time a named storm triggers the deductible — which in Florida is most hurricane-related claims.

Knowing this number before a storm hits is critical. Ask us to walk through your deductible with you. It takes five minutes and could save you from a major surprise.

Replacement Cost vs. Actual Cash Value — Why It Matters at Claim Time

These two terms sound similar. They are very different.

Replacement cost value (RCV) pays what it actually costs to replace your damaged property today — with a similar item at current prices.

Actual cash value (ACV) pays replacement cost minus depreciation. That five-year-old AC unit that cost $6,000 new? After depreciation, your payout might be $2,500.

Many South Florida homeowners are surprised to learn their policy pays ACV, not RCV. If that’s the case for you, you may want to discuss an upgrade with your agent.

Common Claim Mistakes South Florida Homeowners Make

Even with good coverage, small mistakes can slow down — or reduce — your payout.

• Not documenting belongings ahead of time. Take a home inventory video and store it in the cloud. Do it now, before a storm threatens.
• Waiting too long to report damage. Most policies require prompt notice. Don’t delay.
• Making repairs without approval. Emergency repairs are fine. But major work done before your adjuster reviews the damage can create disputes.
• Assuming flood damage is covered. It’s not. See above.
• Not reading the hurricane deductible. Many homeowners don’t know their number until they file. Know yours today.

Review Your Coverage Before the Next Storm Season

Florida’s rainy season runs June through November. That’s also peak hurricane season. The best time to review your homeowners insurance coverage is before a storm is in the forecast — not during one.

We work with multiple carriers to make sure you have the right protection at the right price. As an independent agency, we shop for you.

Ready for a no-obligation coverage checkup? Our team will review your current policy, walk through your deductibles, and make sure there are no gaps. Request your free review here.

Frequently Asked Questions

Q: Does homeowners insurance cover hurricane damage in Florida? Yes — but with important limits. A standard policy covers wind damage from a hurricane, but a separate hurricane deductible applies. That deductible is typically 2–5% of your dwelling coverage, not a flat dollar amount. Flood damage from storm surge is not covered under a standard policy.

Q: Is flood insurance required in Florida? It depends on your location. If your home is in a high-risk flood zone and you have a federally backed mortgage, flood insurance is required. Even if it’s not required, we strongly recommend it for most South Florida homeowners due to our exposure to tropical storms and heavy rain.

Q: What’s the difference between replacement cost and actual cash value? Replacement cost pays what it takes to replace your property at today’s prices. Actual cash value subtracts depreciation from that amount. Replacement cost coverage typically costs more but pays out significantly more at claim time — often making it the smarter choice.

Q: What does homeowners insurance cover in Florida for personal property? Your personal property coverage protects belongings like furniture, electronics, clothing, and appliances from covered events like fire or windstorm. Coverage limits vary by policy. Some high-value items — like jewelry or art — may need a separate rider to be fully protected.

Synergy Insurance Group has served South Florida homeowners since 2006. We’re an independent agency headquartered in Sunrise, FL. We represent multiple carriers so we can find the right fit for your home and your budget.

The post What Does Homeowners Insurance Cover in Florida? (And What It Doesn’t) appeared first on Synergy Insurance.

Home insurance rates in Florida are finally dropping — and the reductions hitting Broward, Miami-Dade, and Palm Beach counties are the most significant in recent memory. After three years of painful increases, real relief is on the way.

Here’s what changed, what it means for your wallet, and how to make sure you’re actually getting the savings you deserve.

Why Florida Home Insurance Rates Went So High

To understand why rates are dropping, it helps to know why they went up in the first place.

Florida wasn’t just expensive because of hurricanes. The bigger driver was litigation abuse.

At its peak, Florida accounted for roughly 8% of homeowners insurance claims nationwide — but nearly 80% of all insurance lawsuits in the country. Two practices were largely to blame:

• One-way attorney fees — Lawyers could sue insurers and force them to pay massive legal costs, even on small disputes. This created a huge incentive to file lawsuits.
• Assignment of Benefits (AOB) fraud — Contractors could “sign over” your policy rights to themselves, then bill insurers directly. Inflated invoices were rampant.

These costs didn’t just hurt insurance companies. They got passed straight to you in the form of higher premiums. Carriers couldn’t price the risk anymore — they were pricing the lawsuit lottery. Many simply left Florida altogether.

What Changed: The Reforms That Are Working

In 2022 and 2023, Florida’s legislature passed sweeping reforms. They eliminated one-way attorney fees. They ended AOB abuse. They tightened claims timelines and cracked down on fraud.

The results are showing up in your premium.

Since the reforms took effect, 17 new homeowners insurance companies have entered Florida, and 83 rate-decrease filings were scheduled to take effect in January 2026.

Citizens Insurance — Florida’s insurer of last resort — peaked at 1.42 million policies in October 2023. By early 2026, that number had dropped to just 336,000, a 76% decline, as homeowners found competitive coverage in the private market.

More carriers. More competition. Lower rates.

How Much Are Home Insurance Rates Dropping in South Florida?

This is where it gets real for homeowners in our area.

Governor DeSantis announced that Citizens Property Insurance policyholders across South Florida will see some of the largest reductions in the state, beginning at renewal in Spring 2026:

• Broward County: ~27,000 homes, average reduction of 14.1%
• Miami-Dade County: ~42,000 homes, average reduction of 14.0%
• Palm Beach County: ~26,000 homes, average reduction of 11.9%

Statewide, Citizens policyholders will see an average reduction of 8.7%, with more than 150,000 homeowners experiencing reductions of 10% or more.

And this isn’t just for Citizens policyholders. If you’re on a private carrier, you’re likely seeing rate pressure ease as well. With more companies competing for your business, agents now have real options to put on the table for the first time in years.

One More Savings Layer: The FIGA Assessment Ends in October 2026

Here’s something most homeowners don’t know about — but should.

Since October 2023, a 1% emergency assessment has been added to every Florida property insurance policy. It was created to help repay debts left behind when more than ten Florida insurers became insolvent.

The good news? It’s ending early.

The FIGA emergency assessment will end on October 1, 2026 — two years ahead of the original schedule. Officials estimate this will save Florida homeowners and businesses up to $650 million over the following two years.

For individual policyholders, savings will vary based on premium cost:

• A $2,000 annual premium may save about $20 per year
• A $3,500 annual premium may save about $35 per year
• A $5,000 annual premium may save about $50 per year

It’s not a huge number on its own — but stack it on top of a 12–14% rate reduction, and it adds up.

Why Right Now Is the Right Time to Shop Your Policy

Rate reductions don’t always happen automatically. Here’s the thing most policyholders miss:

You have to take action to capture the savings.

Your insurer will apply new rates at your next renewal — but that could be months away. And if you’re on the wrong carrier or haven’t shopped in a few years, you may be significantly overpaying right now.

With 17 new carriers in the market and real competition returning to South Florida, this is the best environment we’ve seen to shop your renewal in years.

If your policy renews in the next 90 days, this is the time to review it. If it renews later in the year, it’s still worth getting a fresh quote today. We may be able to move you to a better rate right now rather than waiting.

Don’t Just Look at the Headline Premium

When you’re comparing quotes, the premium number is just the starting point. Here are three things to look at closely before switching or renewing:

Deductibles

Florida home policies typically carry separate hurricane and windstorm deductibles — often 2–5% of your home’s insured value. On a $400,000 home, a 2% hurricane deductible means you pay the first $8,000 out of pocket after a storm. Make sure you’re comparing apples to apples.

Replacement Cost vs. Actual Cash Value

A replacement cost policy pays what it costs to rebuild or replace your home and belongings at today’s prices. An actual cash value policy subtracts depreciation first. The difference can be tens of thousands of dollars after a major loss.

Law & Ordinance Coverage

If your home is older and gets damaged, local building codes may require upgrades when you rebuild — updated electrical panels, hurricane straps, new plumbing. Standard policies often don’t cover those costs. Law and ordinance coverage fills that gap. It’s especially important in South Florida, where building codes have changed significantly over the years.

Are You Ready for Hurricane Season Too?

Lower rates are great news. But a competitive premium doesn’t help you if your coverage has gaps going into storm season. Before you finalize your renewal, make sure your policy includes solid hurricane coverage, flood protection, and enough dwelling coverage to actually rebuild.

Frequently Asked Questions

Are Florida home insurance rate drops for all homeowners or just Citizens policyholders?

The biggest announced reductions are for Citizens policyholders, but the entire market is changing. With 17 new carriers now competing in Florida, private insurers are filing for lower rates too. If you haven’t shopped your policy recently, there’s a good chance we can find you a better rate regardless of who you’re currently with.

When will I see the lower rates on my policy?

New rates take effect at your next renewal date. If your renewal is coming up soon, the timing is perfect. If it’s several months out, it may still be worth getting a quote now — in some cases, switching early makes financial sense if the savings are significant enough.

What is the FIGA assessment and when does it end?

The FIGA (Florida Insurance Guaranty Association) emergency assessment is a 1% surcharge added to all Florida property policies in October 2023. It helped pay outstanding claims from insolvent insurers. It ends on October 1, 2026 — two years ahead of schedule — saving Florida policyholders an estimated $650 million.

Does my homeowners policy cover flood damage?

No. Standard homeowners insurance does not cover flooding, even if caused by a hurricane or tropical storm. Flood coverage requires a separate policy. If you’re in South Florida and don’t have flood insurance, that’s a serious gap in your protection.

Learn more about flood insurance

Ready to find out if you’re overpaying? Our team reviews your current policy at no cost and shops it against the best carriers available in South Florida.

The post Home Insurance Rates Florida 2026: What South Florida Homeowners Need to Know appeared first on Synergy Insurance.

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What Your Typical Homeowners Insurance Policy Covers

Homeowners insurance policies typically cover a range of events, protecting you from significant financial loss. Common covered events include:

• Storms – Policies usually cover damage from hurricanes, windstorms, and other severe weather conditions.
• Hail Damage – Hail can cause significant damage to roofs, windows, and siding.
• Fire – Fire damage is one of the primary risks covered by homeowners insurance.
• Falling Objects – This includes damage from falling tree branches or other objects.
• Vandalism – Coverage for intentional damage caused by others.

Understanding these covered events is vital for ensuring your policy meets your needs. However, it’s equally important to know what is not covered.

Common Insurance Policy Exclusions

Not all damages are covered by homeowners insurance. Common exclusions include:

• Normal Wear and Tear – Insurance policies typically do not cover damages resulting from normal aging or usage of your home.
• Construction Defects – Issues resulting from poor construction practices are generally excluded.
• Foundation Failure – Structural problems with the foundation are often not covered.
• Pet and Animal Damage -Damage caused by pets or other animals is usually excluded.
• Mold and Fungus – Coverage for mold and fungus is often limited or excluded entirely.

Understanding these exclusions is crucial to avoid unexpected costs.

The Importance of Reading Your Policy Documents

Synergy Insurance Group prides itself on transparency and customer service for its policyholders. Whoever your insurance company is, when you receive your homeowners insurance policy documents, it’s important to read them closely. By doing so, you agree to all the terms and conditions at the commencement of your policy and each year when it renews. Key reasons to read your policy documents include:

• Clarifying Coverage – Ensure you understand what is and isn’t covered so you’re not caught off guard when filing a claim.
• Identifying Exclusions – Know the limitations of your policy to plan for additional coverage if necessary.
• Understanding Responsibilities – Be aware of your obligations, such as maintaining your home to prevent damage.

If you have any questions about your policy, do not hesitate to ask your insurance agent for clarification. It’s their job to help you understand your coverage fully.

Understanding your homeowners insurance policy is crucial to saving money and ensuring you’re adequately protected. By knowing what is covered and excluded, reading your policy documents carefully, asking questions, and performing regular maintenance, you can avoid costly surprises and keep your home in excellent condition. Remember, a well-maintained home is not only a safe home but also a financially sound investment. If you’re still looking for quality home insurance coverage, you can request a quote here or search for one of our Synergy Insurance Group trusted agency partners.

The post Understanding Your Homeowners Insurance Policy this Hurricane Season appeared first on Synergy Insurance.

1. Air Conditioning Maintenance

Clean and Replace Filters

• Why: Clogged filters reduce efficiency and can lead to system failure.
• How: Check and replace filters monthly. Clean reusable filters regularly.

Professional HVAC Check-Up

• Why: Ensures optimal performance and prevents unexpected breakdowns.
• How: Schedule a professional inspection and servicing before the peak summer heat.

2. Roof and Gutter Inspection

Inspect and Repair Roof

• Why: Summer storms can exacerbate existing damage, leading to leaks.
• How: Check for loose or missing shingles, signs of wear, and potential leak points. Replace damaged shingles immediately. Click here to read more about how to Hurricane Proof Your Roof.

Clean Gutters and Downspouts

• Why: Prevents water damage and foundation issues.
• How: Clear debris from gutters and ensure downspouts direct water away from your home.

3. Pest Control

Seal Entry Points

• Why: High temperatures and humidity attract pests indoors.
• How: Inspect and seal cracks, gaps, and holes in walls, windows, and doors.

Yard Maintenance

• Why: Overgrown vegetation can harbor pests.
• How: Trim bushes, mow the lawn regularly, and remove standing water where mosquitoes breed.

4. Hurricane Preparedness

Inspect and Reinforce Windows and Doors

• Why: Prevents wind and water damage during storms.
• How: Check for gaps and cracks. Install storm shutters or impact-resistant windows if necessary.

Check and Secure Outdoor Furniture

• Why: Loose items can become dangerous projectiles.
• How: Secure or store outdoor furniture, grills, and other items that can be picked up by strong winds.

5. Plumbing Check-Up

Inspect for Leaks

• Why: Humidity and heat can exacerbate plumbing issues.
• How: Check for leaks in hoses, faucets, and pipes. Repair any issues promptly to prevent water damage.

Clean and Maintain Drains

• Why: Prevents clogs and backups.
• How: Use natural solutions like baking soda and vinegar to clean drains. Avoid chemical drain cleaners that can damage pipes.

6. Electrical System Maintenance

Check and Replace Worn-Out Wiring

• Why: Prevents fire hazards.
• How: Inspect all visible wiring for wear and tear. Consider a professional inspection for hidden wiring.

Surge Protection

• Why: Protects appliances from power surges during thunderstorms.
• How: Install surge protectors on major appliances and consider a whole-house surge protection system.

7. Exterior Maintenance

Pressure Wash Exterior Surfaces

• Why: Removes mold, mildew, and dirt buildup.
• How: Pressure wash siding, driveways, and patios. Be cautious not to damage surfaces.

Paint Touch-Ups

• Why: Protects against weather damage.
• How: Touch up any chipped or peeling paint to protect your home’s exterior from the elements.

8. Fire Safety

Check Smoke Detectors

• Why: Ensures early detection of fires.
• How: Test smoke detectors monthly and replace batteries at least once a year.

Create a Fire Safety Plan

• Why: Prepares your family in case of an emergency.
• How: Develop and practice a fire escape plan with all household members.

By performing these summer-specific home maintenance tasks, Florida homeowners can protect their property from the unique challenges posed by the state’s climate. Regular maintenance not only helps in preventing common insurance claims but also ensures that your home remains a safe and comfortable haven throughout the year. Stay proactive and enjoy the peace of mind that comes with a well-maintained home. Remember, Synergy Insurance Group is here to support you every step of the way.

The post Seasonal Home Maintenance Tips for Florida Residents: Summer Edition appeared first on Synergy Insurance.

How Much is Flood Insurance?

The answer varies. Factors like your home’s location, its elevation, and the local flood risk determine the cost. Yet, the expense is minor compared to the potential damage a flood can cause. Even minor flooding can lead to expensive repairs, overshadowing the cost of your annual insurance premium. According to Forbes Home, the average cost of water damage restoration is between $1,300 and $5,600.

A widespread belief is that insurance for flooding matters only during rainy seasons or for homes near the coast. However, floods don’t schedule their appearance; they can happen anytime, affecting homes miles inland. Florida’s geography and closeness to water sources make it vulnerable to flooding year-round, not just during storms or hurricanes.

Understanding Homeowners Insurance

Many assume their standard homeowners insurance covers flood damage. This is a costly misunderstanding. Flood insurance is a separate policy specifically designed to cover flood-related damages. Without it, you’re on your own to handle repair costs after a flood, which can be financially devastating.

Climate Change and Dry Season

Climate change has made weather patterns less predictable. What’s traditionally seen as the “dry season” in Florida can still bring heavy rains and flooding. This unpredictability underscores the need for continuous insurance coverage. It’s about being prepared, financially and mentally, for any weather event.

Flood insurance is indispensable for Florida homeowners, even when the skies are clear. It’s not just about the cost but about protecting your home and peace of mind against unexpected flooding. When considering the expense of this type of insurance, think about the higher cost of unpreparedness. Flood insurance ensures you’re ready, no matter the weather, safeguarding your home and your financial well-being. Let us help you with a Flood Insurance Quote today.

The post Understanding Flood Insurance in Florida: Why It’s Essential Even in Dry Season appeared first on Synergy Insurance.

1. WEATHERPROOFING WINDOWS AND DOORS

Airtight windows and doors are crucial for keeping the cool air in and pests out. Check for any gaps, cracks, or faulty seals and consider re-caulking or applying weather stripping where necessary to enhance energy efficiency.

2. HVAC SYSTEM TUNE-UP

Ensure that your HVAC system is running efficiently by scheduling a professional service. Regularly replacing air filters and cleaning vents will ensure better airflow and indoor air quality, keeping your home cozy during the cooler nights.

3. ROOF AND GUTTER MAINTENANCE

Autumn is a practical time to ensure your roof is fortified against potential storms or windy weather. Clear out any debris from gutters, and inspect the roof for loose or damaged shingles, addressing issues promptly.

4. LANDSCAPING AND YARD CLEAN-UP

Fall maintenance should include tidying up your yard. Trim trees and shrubs, especially those close to the house, and maintain a healthy lawn by fertilizing and mowing regularly to prevent pests.

5. PEST PREVENTION

Pests tend to seek refuge in homes as the weather cools. Safeguard your home by sealing entry points, keeping spaces clean, and scheduling pest control services if necessary.

6. POOL CARE ADAPTATION

Adjust your pool maintenance practices to suit the fall weather. Reduce pump operation times, and consider using a pool cover to maintain cleanliness and water temperature.

7. SAFETY CHECK

Conduct a thorough review of your home’s safety features, including smoke alarms, fire extinguishers, and emergency exit routes. Ensure everything is in optimum condition, prioritizing the safety of your household. If you find concerns as you’re going through your home, check with our Home Insurance Claims eBook to see the ins-and-outs of  your coverage.

Navigating fall maintenance in Florida is about fine-tuning your home to accommodate subtle seasonal shifts. With a focus on optimization and preventative care, these tips aim to keep your home comfortable, energy-efficient, and well-prepared for the uniqueness of Florida’s autumn season. By being proactive, homeowners can foster a space that’s not only resilient to the elements but also harmoniously attuned to the gentle rhythms of fall in the Sunshine State.

The post Autumnal Care: Navigating Fall Home Maintenance in Florida appeared first on Synergy Insurance.

South Florida’s stunning beaches, vibrant culture, and sunny climate are alluring, but the region is no stranger to the annual threat of hurricanes. This blog covers the top 10 essential hurricane resources in South Florida, empowering you to weather the storm with confidence.

1. Emergency Management Agencies

Before a hurricane strikes, it’s crucial to be informed about local emergency management agencies that provide up-to-date information, evacuation plans, and resources. The Florida Division of Emergency Management, Broward County Emergency Management and Miami-Dade County Office of Emergency Management are primary sources of official guidance. Follow their social media accounts and sign up for alerts to stay informed.

2. Evacuation Routes and Shelters

South Florida has designated evacuation routes and shelters to ensure the safety of residents during hurricanes. Familiarize yourself with these routes and know where the nearest shelters are located. FloridaDisaster.org provides interactive maps and resources to help you plan your evacuation strategy.

3. NOAA Weather Radio and Apps

The National Oceanic and Atmospheric Administration (NOAA) broadcasts crucial weather updates through NOAA Weather Radio. Additionally, various smartphone apps like Hurricane Tracker and Red Cross Emergency provide real-time hurricane tracking, emergency alerts, and safety tips.

4. Local News & Meteorologists

Local news channels and meteorologists are essential sources of information during hurricane events. Trustworthy meteorologists such as those from Local 10 News and WPLG Local 10 offer accurate weather predictions and storm tracking, helping you make informed decisions.

5. Preparedness Kits

Having a well-stocked hurricane preparedness kit is vital for any household. Include items like non-perishable food, water, medications, flashlights, batteries, first aid supplies, important documents, and cash. Ready.gov offers a detailed checklist to ensure you have everything you need.

6. Insurance Information

Review your homeowners or renters insurance policy to understand your coverage in case of hurricane-related damage. Be aware of deductibles and what is and isn’t covered. Consider flood insurance, as standard policies usually don’t cover flood damage. If you don’t already have Synergy Insurance, get a free quote from us! 

7. Community Resources

Local community organizations and online platforms can provide valuable resources during hurricane season. Websites like Nextdoor and Facebook Groups often have posts about available shelters, supplies, and assistance for those in need.

8. Power Outage Information

Power outages are common during hurricanes. Stay informed about the power restoration process by checking the Florida Power & Light Company (FPL) website or app for outage maps and estimated restoration times.

9. Disaster Assistance Programs

In the aftermath of a hurricane, federal and state disaster assistance programs can provide financial support for housing repairs, temporary housing, and other disaster-related needs. Visit DisasterAssistance.gov for information on available programs and how to apply.

10. Mental Health Resources

Hurricanes can be emotionally and mentally taxing. Organizations like the Disaster Distress Helpline (1-800-985-5990) offer support for those in emotional distress. Stay connected with loved ones and seek professional help if needed.

Preparation today can make all the difference tomorrow

Living in the beautiful region of South Florida comes with the responsibility of being prepared for hurricane season. By knowing about all of your available resources, you can navigate the storm’s challenges with confidence and protect what matters most – your safety, well-being, and peace of mind. Remember, preparation today can make all the difference tomorrow. Stay informed, stay safe, and stay strong.

For more severe storm tips, check out our blog at Synergy Insurance. We know that great home insurance policies help families survive even the worst events. Give yourself the peace of mind you deserve by safeguarding your home against accidents and get a free quote to make sure you have the right insurance coverage for your home while you’re at it.

Disasters can happen at any moment – is your family ready for the worst? Our Disaster Preparedness Plan is designed to help you stay safe, calm and prepared in any situation. Download your copy today and be ready to face anything!

The post Top 10 Hurricane Resources in South Florida appeared first on Synergy Insurance.

TEST YOUR SMOKE ALARMS AND CHANGE BATTERIES

Your smoke detectors need to be checked at least once a month. This means you need to hold down the test button and wait for the siren to sound. Easy, right? Bet it’s been a few months since you’ve checked! That’s ok, you’re going to get out there and test your smoke detectors today! If the siren is weak, it’s time to replace the batteries. Try lithium or long-life batteries to reduce how often you need to change them.

If the smoke detectors in your home are eight to 10 years old, experts recommend replacing the entire unit, even if it isn’t broken.

CHECK YOUR WINDOWS

More than 3,300 children are seriously injured a year from window falls, so don’t assume your screen is enough to keep kids safe and sound. Window safety doesn’t mean you can’t enjoy the spring breeze, but you may need to be more conscientious of what your kids are up to. Keep furniture and general play spaces away from windows, and open the top sash (rather than the bottom) of double-hung windows for ventilation. An even better idea is to keep the windows locked unless you’re there to supervise the kids.

GET SMART SMOKE DETECTORS

Now you can link your smoke detectors and carbon monoxide alarms to your smartphone for maximum fire prevention! With this technology, firefighters can get to the scene fast and stop smoke and fire damage in their tracks. Ionization smoke alarms give fast warnings for flame fires and photoelectric alarms are faster at detecting smoldering fires. Try dual combination alarms for 360° protection against all types of fires.

It’s not enough to have smoke alarms, you need to put them in the right place! Keep them toward the middle of the room on the ceiling where air flows rather than at the edge of the ceiling. On vaulted ceilings, the smoke detector must be installed within three feet of the peak. Place smoke detectors three feet from a doorway into a kitchen or bathroom to reduce the chance of “nuisance alarms” going off from steam or burnt toast.

GO THROUGH YOUR MEDICINE CABINETS

Getting rid of either unwanted to expired medicine this spring is a smart safety move, and this tip isn’t just for people with kids! Most people who are sick or in pain aren’t painstakingly checking the expiration date before they take it. If your medicine cabinet is too crowded, you need to start organizing it so it’s easy to find the appropriate medication. The National Safety Council offers Seal & Send envelopes to safely return old or unwanted medication.

MAKE A FIRE ESCAPE PLAN AND PRACTICE IT

Map out your home on a piece of paper and identify at least two exits and then determine a safe meeting location outdoors. Practice your fire escape plan and note any doors or windows that are difficult to open so you can fix them. If your home has a second story, install escape ladders and have your children practice using them.

For more home safety tips and tricks, check out our blog at Synergy Insurance. We know that great home insurance policies help families survive even the worst events. Give yourself the peace of mind you deserve by safeguarding your home against accidents and get a free quote to make sure you have the right insurance coverage for your home while you’re at it.

Spring cleaning isn’t just a way to get rid of dust and cobwebs — it’s a good time to think about family safety in the home. Disasters can happen at any moment – is your family ready for the worst? Our Disaster Preparedness Plan is designed to help you stay safe, calm and prepared in any situation. Download your copy today and be ready to face anything!

The post Spring Cleaning for Safety: Change the Clocks, Change the Plan appeared first on Synergy Insurance.