Kentucky Rental Property Insurance

This article gives helpful tips on how to secure your Rental Property in Kentucky .We found this great article about how to reduce the risk of damage during an earthquake. Here are some basic tips to reduce the damages to your home and property from the article

# Identify and secure large objects that could fall in a quake. Secure both top corners of tall, top-heavy desks, bookcases and entertainment centers to a wall stud -- not the drywall. Using flexible fasteners will allow the furniture to move independently, without tipping over. The flexibility reduces strain on the studs. Move heavy objects away from sleeping and sitting areas and clear exit paths of clutter.

# Place only soft art above beds and sofas. Glass used for framed and other art can shatter. Consider using clear plastic or acrylic instead of glass for all hanging art. Even then, use closed hook hangers to hang objects and help prevent them from bouncing off the wall.

# Use removable museum wax or earthquake putty or gel to secure knickknacks, gewgaws, collectibles, lamps, pottery and other objects stored on open shelves. Store heavier objects on lower shelves or inside display cases with quake or child-proof latches.

# Likewise, secure kitchen cabinets holding glassware and china, especially overhead cabinets, to prevent items from falling out and breaking during a quake. Fasten down home electronics with flexible nylon straps and buckles.

# In the garage or storage area, move flammables and hazardous materials to low, secure areas. Make sure items stored above or beside vehicles in the garage cannot fall and damage or block vehicles and escape routes.

# Secure water and gas lines. Learn when and how to shut off water and gas lines. Have a plumber inspect pipelines and replace rusted and worn pipes. A plumber can also swap out rigid gas connections to water heaters, stoves, dryers and other gas appliances for more flexible connectors. Also consider installing excess-flow gas-shutoff valves to stop gas flows when a line springs a potentially deadly leak.

# Secure heavy appliances. Law mandates that water heaters must be anchored to wall studs with metal straps and lag screws. Kits are readily available at hardware stores and home improvement centers. Likewise, secure refrigerators, free standing ranges, microwave ovens and other large, major appliances to walls using earthquake appliance straps.

Read more of the article here: Reducing Earthquake Hazards in your home
Remember: Each insurance policy is different. Consult your own insurance policy to determine coverage. Ask you agent about how to purchase Earthquake coverage as an endorsement on your existing insurance policy. Remember additional coverages require a premium. Always consult your independent insurancea agent and a copy of your policy for all coverage questions..