How to Prevent Falls at Home?

March 20, 2025||inPersonal Insurance|general safety, home maintenance, home safety, homeowners insurance, personal injury, personal insurance, personal property, safety

Falls are among the most common and serious accidents that can happen both at home and at work, especially on staircases. The consequences of a fall can range from minor bruises to severe injuries, such as broken bones or head trauma. While preventing falls is a key focus of home safety, it’s also important to understand how home, condominium, and renters insurance can protect you in the event of a non-household member being seriously injured on your property.

Stairs
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Preventing Falls: Key Questions to Ask Yourself

Because falls can occur anywhere, it’s important to identify and address all potential trip and fall hazards throughout your living space. Here are a few key questions to guide your assessment:

  • Are walkways throughout your home, free from obstacles or clutter?

  • Are area rugs, carpets, or runners securely fastened to the floor to prevent slipping?

  • Are all surfaces, including floors and stairs, even, flat, and free of cracks, holes, or other tripping hazards?

  • Are light fixtures and switches installed in easily accessible places, and are they in proper working order to ensure good visibility?

  • Do you have secure handrails or grab bars in key areas like staircases, bathrooms, or hallways?

  • Are outdoor walkways and entryways free from debris, uneven surfaces, or icy patches that could cause a fall?

  • Do you ensure that there is adequate lighting, especially at night, in hallways, stairways, and entryways?

If you answered “yes” to all of these questions, you’ve taken important steps to reduce fall risks in your home. If not, consider making adjustments to create a safer living environment by addressing potential hazards.

Insurance provides Liability Protection

Even with the best safety precautions, accidents can still happen. If a non-household member, such as a visitor or contractor, falls in your home, your insurance can offer vital liability protection. Whether you have homeowners, condominium, or renters insurance, all of these policies typically include personal liability coverage, which helps cover medical expenses, lost wages, and legal costs if you’re found liable for an injury that occurs on your property. If a non-household member is seriously injured contact your insurance provider to report the accident.

Prepared for the Unexpected

While fall prevention should always be a priority in your home, it’s equally important to ensure you’re financially protected through comprehensive insurance coverage. By maintaining a safe home environment and understanding how your home, condominium, or renters insurance can provide liability protection, you can safeguard both the well-being of your household and any visitors.

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