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Asked by Anonymous

Can my mortgage lender just add on flood insurance without proof?

Under federal law, you must purchase flood insurance if you will receive federal money to purchase or build a home in a high-risk flood area. A mortgage lender can also require flood insurance if you live in a moderate-to-low risk area. 

Learn more about mortgage lender requirements for flood insurance or about the National Flood Insurance program.

Holiday Tip of the Day: Prevent Holiday Fires

Every holiday season, fires claim the lives of over 400 people and cause over $990 million in damage. You can keep your family safe by using nonflammable decorations, not overloading electrical sockets, and avoiding the use of lit candles. If you have a live Christmas tree, water it regularly. Dry trees could catch on fire and rapidly fill your room with deadly gases. Prevent holiday fires in your home.

Did you miss yesterday’s tip? Get more holiday tips.

Holiday Tip of the Day: Save Money with LED Holiday Lights

Electricity bills can grow during the holidays if you decorate with strings of lights. Light-emitting diode, or “LED,” holiday lights offer a quality alternative to traditional lights and save both energy and money. The Department of Energy estimates that if every household switched to LED holiday lights, the country would save approximately $410 million in electricity costs. Learn more about the benefits of LED holiday lights.

Did you miss last week’s tips? Get more holiday tips.

Seven Ways to Prevent Furniture Tip-Over Accidents in Your Home

Furniture and TV tip-over incidents are one of the top hidden hazards in the home. The U.S. Consumer Product Safety Commission (CPSC) encourages you to inspect and anchor furniture and TVs in order to protect young children from a preventable tragedy.

Between 2000 and 2010, the CPSC received reports of 245 tip-over-related deaths, and more than 90 percent involved children 5 and younger. The majority of these children suffered fatal injuries to the head.

You can prevent tip-over accidents by following these safety tips in any home where children live or visit:

  • Anchor furniture to the wall or the floor.
  • Place TVs on sturdy, low bases.
  • Push the TV as far back on the furniture as possible.
  • Keep remote controls, toys, and other items that might attract children off TV stands or furniture.
  • Keep cable cords out of reach of children.
  • Make sure freestanding kitchen ranges and stoves are installed with anti-tip brackets.
  • Supervise children in rooms where these safety tips have not been followed.

Learn more about preventing furniture tip-over accidents.

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