Byron Broten Insurance Agency Ltd.

To help prevent water from freezing in pipes on extremely cold days, leave kitchen and bathroom cabinets open to expose pipes to warmer air. Also insulate any exposed pipes. In addition, make sure your attic floor is properly insulated
Know where your water shut-off valve is located in case you need to turn off the water in an emergency.
April showers can bring wet basements. Be sure that downspouts direct water well away from your home's foundation; otherwise, water from the downspouts could leak into your basement.
Help prevent basement flooding by installing a sump pump.
Help prevent sewer backup by installing a sewer backflow valve.
Keep gutters and downspouts clear of leaves, dirt and other debris.
Make sure your roof is in good condition and that shingles are secure.
At least once a year, check that all of your windows and doors are secure and re-caulk as needed to help prevent water from seeping in.

Have a monitored fire alarm installed in your home. You could enjoy an extra discount on your home insurance premium as well.
Avoid "octopus outlets." Clusters of wires and plugs mean your electrical system can't cope with your energy needs. It may be time to rewire and add more outlets.
Be safe when replacing a fuse on your electrical panel. Never substitute a higher amp fuse when a lower amp one is called for, because it could pose a fire hazard.
You are required by law to check on the location for buried natural gas pipes before breaking ground. Anyone who damages natural gas pipes is liable for at least the cost of the repairs. Play it safe and call before you dig.
Be careful not to use a bare light bulb in a clothes closet. A 100-watt bulb can generate a temperature of 150° C (302° F), which is a fire hazard.
Gas up lawn equipment away from enclosed areas and far from any source of sparks or heat. Don't fill a hot lawnmower—let it cool first.
If you use a wood-burning fireplace, never store combustibles such as newspapers, kindling, or matches near the fireplace. Have your chimney inspected by a professional prior to the start of every heating season.

If there's a storm warning, secure everything that might be blown around outdoors. Flying objects such as garbage cans and lawn furniture can injure people and damage property.
If the weather forecast warns there is a risk of hail, park your car in the garage. Hailstones can be the size of peas, golf balls, or grapefruit.
If possible, make sure trees and shrubs do not have dead or loose branches that can be easily dislodged during a wind or snow storm.
Consider installing storm shutters or reinforced windows.
Make sure your garage door is secure and reinforce it if necessary during a storm.