Note: These tips are designed to help you assess the safety and maintenance of your family, home and property, to offer some precautions and to possibly help you save money. Application of any or all of these suggestions may not prevent damage or protect you, your family, or your property from harm. Your knowledge of the situation, use of your common sense and compliance with local and state codes should direct your course of action. These recommendations may or may not have any relationship to your insurance coverage.