Homeowners

Facts + Statistics: Child safety

Causes of death from unintentional injuries among children differ significantly by age. For children under the age of 1 year, the most common cause of death was suffocation in 2015, the most recent year available. For children age 1 to 4 drowning was the most common cause of death followed closely by motor vehicle crashes. Motor vehicle crashes were the leading cause of death for children ages 5 to 9 and 10 to 14.

 

2016 Consumer Insurance Survey

The I.I.I. conducted this survey to collect and measure consumers and homeowners knowledge and sentiments about insurance, including: 

 

  • What they know about insurance—including the purchase of separate policies to cover flood and earthquake damage
  • Their attitudes toward the cost of their insurance coverage
  • How they comparison shop for homeowners insurance; among other topics. 

 

 

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Don't be a dummy about flood insurance

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Crystal talks some sense into dummy Kirk about the importance of flood insurance.


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Protecting your roof from hail

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Hail can be as large as five inches in diameter and rain down on your roof at speeds around 90 mph. Learn how to protect your home from these ice bullets. Spokespersons: Scott Morrison, Haag Engineering; Harvey Ryland, Institute for Business and Home Safety.


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Background on: Wildfires

The topic

As many as 90 percent of wildland fires in the United States are caused by humans, according to the U.S. Department of Interior. Some human-caused fires result from campfires left unattended, the burning of debris, negligently discarded cigarettes and intentional acts of arson. The remaining 10 percent are started by lightning or lava.

Lightning myths

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Jeanne Salvatore dispels common myths about lightning safety and provides the basic tips for staying safe when a storm approaches.


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Disaster victims: Beware of crooked contractors

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Victims of disasters such as a hurricane or wildfire should watch out for dishonest service providers when it is time to repair or rebuild their home. A guide to protecting yourself from crooked contractors.


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Background on: Flood insurance

The topic

Flooding is the most common and costly natural disaster in the United States, causing billions in economic losses each year. Most U.S. natural disasters declared by the president involve flooding.

There is no coverage for flooding in standard homeowners or renters policies or in most commercial property insurance policies. Coverage is available in a separate policy from the National Flood Insurance Program (NFIP) and from a few private insurers. Despite efforts to publicize this, many people exposed to the risk of floods still fail to purchase flood insurance.

Spotlight on: Dog bite liability

Overview

Almost 90 million dogs are owned as pets in the United States according to a 2017-2018 survey by the American Pet Products Association.

According to the Centers for Disease Control and Prevention, about 4.5 million people are bitten by dogs each year. Among children, the rate of dog-bite–related injuries is highest for those 5 to 9 years old. Over half of dog-bite injuries occur at home with dogs that are familiar to us.

Facts + Statistics: Flood insurance

National Flood Insurance Program

Flood damage is excluded under standard homeowners and renters insurance policies. However, flood coverage is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers.                                          

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