5 Ways to Accident-Proof Your Home

Home accidents are a common occurrence across the country. By taking some necessary precautions, many of these accidents can be prevented. These tips from Blue Hen Insurance LLC in Middletown, DE can help you create a safer home environment to minimize the risk of accidents. 

5 Ways to Accident-Proof Your Home


Get rid of clutter that’s blocking your entryway, halls, or stairs so people can travel these areas safely without tripping and falling. The old adage “a place for everything and everything in its place” can help prevent accidents and create a neater, safer environment in which to live.


Install handrails for your stairs to make them safer to travel. If your stairs are carpeted, make sure there are no loose edges sticking out that can cause people to trip and fall.

Area Rugs

In like manner, make sure all rugs have slip-resistant backings or pads to keep them securely in place when walked on. You don’t want a rug sliding out from under you and causing a serious fall. A slip and fall due to a sliding rug can easily lead to a back injury, broken bone, or concussion.

Household Products/Prescription Drugs

Store household cleaning products and prescription medicines in a secure location out of reach of your children to avoid accidental poisoning. At the same time, teach your kids to respect “non-play areas” such as your tool shed or bathrooms to avoid the risk of accidents.   

Check Smoke Alarms Regularly

Check the batteries on your smoke alarms and carbon monoxide detectors regularly to ensure they’re functioning as they should. These devices are your first line of defense against injury from fire and carbon monoxide poisoning.

Lastly, keep your home insurance current for protection against accidents that may occur on your property. To update your home insurance coverage, contact Blue Hen Insurance LLC in Middletown, DE.

Home Insurance is an Important Way to Protect What Matters

Protecting your home is vital. It’s a big investment and holds so many memories. Plus you want to have a safe and secure place for you and your family to enjoy. Whether you’re just getting started with buying your first home or you’ve owned a house before and are looking to relocate, Blue Hen Insurance LLC can help. We serve the Middletown, DE area and are here to answer your questions about insuring and protecting your home.

Getting The Right Coverage For Your Home

Don’t settle for a subpar insurance policy because it might not cover everything that matters. Instead, working with a trusted, professional insurance agent can give you a quality policy and peace of mind. You don’t have to choose a policy with guesswork or base it on anything but knowledge and sound information. The more you know about your options, the easier it is to choose the right one.

When you need a home insurance policy, there are a few specific things you want to consider. Your lender may have certain requirements your policy has to meet, but beyond that, there are additional coverage opportunities to think about. Some homeowners want to have more protection than the minimum required. If you plan to do that, though, an agent can help you choose what works for your needs.

We Are Here To Help

If you’re in the Middletown, DE area and looking for home insurance, reach out to Blue Hen Insurance LLC today. We can help you choose a policy that’s right for you and that gives you all the protection you need without adding a lot of extra coverage that might not be necessary or helpful to you. Then you’ll know your home is protected the right way, and you’ll also have peace of mind you can feel good about for the long term, too.

Frequently asked questions about home insurance

If you are a homeowner, you might need home insurance depending on state requirements and what your lender requires. The topic of insurance can be confusing. Blue Hen Insurance LLC is happy to assist Middletown, DE area homeowners. Here are some answers to some of the most frequently asked questions about home insurance.

Frequently asked questions about home insurance

What is the 80/20 rule of home insurance?

As a rule, most insurance companies require you to have at least 80% of the total replacement cost of your home insured.

What is not covered by home insurance?

Although home insurance covers many things, there are some things it does not cover. These include termite damage, animal damage, earthquake damage, water damage, and normal wear and tear.

What factors determine the cost of home insurance?

Home insurance can be expensive depending on a lot of factors. Where you live can determine whether your insurance premium will be cheaper or more costly. If you live somewhere with higher risks, such as flooding, earthquakes, tornadoes, etc., you will most likely have a higher premium because of the added risks of damage.

The replacement cost of your home is another factor that plays into the cost of your insurance premium. These costs include the materials, number of rooms, and local rebuilding costs.

What two things can you do to reduce the cost of home insurance?

Depending on the age of your house and the insurance company, home improvements can reduce the cost of your premium. If you own an older house, newer wiring, and a new roof can significantly reduce the cost of your insurance.

Another thing you can do to reduce the cost is to bundle your car and home insurance together. Bundling can get you a significant discount on both your vehicle and your home.

Reach Out To Us

Contact us at Blue Hen Insurance LLC in Middletown, DE for more insurance information.

Preparing your Home for the Winter Months

Warm fireplaces, family, friends, hot cocoa, sleigh rides. These are some things that people think of and look forward to in the winter months. While there are certainly a lot of good things to look forward to in winter, there are a lot of precautions that you need to take to get your house ready for winter. Our team of insurance experts at Blue Hen Insurance LLC in Middletown, DE is happy to provide you with a guide.

Get things inspected and prepared for winter

There are a few things that you should have a professional inspect and help you with getting prepared for winter. If you have a wood stove or a fireplace, you should have a professional chimney sweep clean your chimney and make sure that everything works properly. Next, make sure that you have enough wood for the winter. If wood is not your primary source of heating, call a professional to check your home heating system to make sure it is running well.

Another thing that should be inspected is your roof. Hire a professional to make sure that there are no cracks where critters, water, and cold air could come into your home.

The following things still need to be inspected, but you do not need a professional to inspect them:

  • Inspect and seal doors and windows
  • Check trees and cut back branches that are close to the house
  • Seal masonry and hard surfaces
  • Test carbon monoxide and smoke detectors
  • Make sure things are properly insulated
  • Make sure everything is ready for snow removal

Other winter preparations

Once everything has been inspected, other preparations should be made before winter hits.

  • Clean gutters
  • Reverse ceiling fans
  • Prepare lawn equipment by draining fuel from small gas-powered engines
  • Cover patio furniture
  • Check your insurance coverage

Get Home Insurance Today

For any insurance questions, contact Blue Hen Insurance LLC in Middletown, DE.

What types of coverage does home insurance provide?

Home insurance is the protection that all homeowners need to provide peace of mind. So many things can happen that may endanger both your home and your assets. Home insurance is not just one line of insurance but several. At Blue Hen Insurance LLC in Middletown, DE, we are independent insurance agents working for our customers and not for the insurance companies. We will ensure you get the right insurance for your requirements at the best possible price. 

Property coverage

Home insurance protects the physical structure of your house, the roof, walls, major systems, porches, garages, and decks. It also covers detached structures such as a shed, a pool, or a garage under other structure coverage. Not everything that can damage the structure is covered, so be sure to read your home policy for exclusions. 

Liability coverage

Many things can go wrong at your home, and if someone is injured while there or away from home by a family member, you could find yourself with medical bills and the potential of a judgment against you. Legal fees are also covered. 

Contents coverage

You own a lot of stuff, probably a lot more than you realize. Your home insurance covers these personal possessions from many hazards, including theft, even when you have your stuff away from home. 

Loss of use coverage

When a covered hazard damages your home, you will need a place to stay. Insurance allows you to get a hotel to sleep in and helps pay for food when you have no place to cook. It can pay rent if you are out of your home for an extended time. 

Contact Blue Hen Insurance LLC in Middletown, DE when you are ready to review your current home insurance or get new home insurance.