It is not wise to depend so much on the compensation offered by your home insurance Massachusetts that you do not take the necessary steps to avoid disasters. Filing a multitude of claims could land you exorbitant rates when it comes time to renew, if your provider does not drop you instead.

Take the time to learn how to prepare for disasters and prevent home damage. You could save money and save lives. Fire, for example, is a risk faced by all homeowners. Here are five tips to keep you safe.

• You should never run electric wires across the floor and especially not under rugs or carpeting.
• Do not smoke indoors. Those that cannot give up this habit should always ensure that cigarettes are completely extinguished.
• Do not use multiple extension cords as this can overload electrical outlets.
• Create an emergency plan with your family. Discuss how to escape the house safely and designate a place to meet outside the home, such as near the mailbox.
• Doorways and windows should always be kept clear to allow your family to exit quickly in case of an emergency.

Installing fire alarms, smoke detectors, and sprinklers in your home could save your life one day. These additions may also save you money on your home insurance. Massachusetts residents who take the time to adequately prepare for disasters, such as house fires, often have a better chance of surviving such events unscathed.