Most of us feel safe and secure once we know that we are covered by insurance in the event of an emergency. If you find yourself involved in a fender bender, you thank yourself for purchasing enough auto insurance. If you lose a filling and need to replace it, you are glad you paid that extra bit for dental insurance. However, just because we have auto and dental insurance does not mean that we go around bumping into people and stop brushing our teeth. The same applies for Ohio home owner insurance.

Just because you have purchased Ohio home owner insurance does not mean that you can just forget about the safety of your home, its inhabitants, and its visitors. Consider these three ways to further insure your home.

1. Prevent major water and fire damage. Do this by conducting regular checks of your roof and plumbing system and making all repairs as necessary. You should also keep several fire extinguishers handy, especially in those parts of your home that are more likely to catch fire than others, such as the kitchen. You may also want to keep a fire extinguisher in an upstairs hallway and your garage.

2. Safeguard your home. Make sure you have sturdy locks and/or deadbolt locks on all doors, and keep your doors locked, especially at night and when no one is home. This includes quick trips to the grocery store and lengthy vacations. Doors are not the only ways in which burglars can get in - keep your windows, even those upstairs, locked as well. Consider installing motion sensor lights outdoors, as well as home alarm systems indoors.

3. Make repairs. Just because you may not get a lot of visitors does not mean you should put off repairing that loose step at the top of your front porch. You never know when a girl scout selling cookies door-to-door is going to make an appearance.

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