Do not leave candles, fireplaces (wood or electric) or space heaters unattended....
Never leave appliances unattended that emit heat, such as hair dryer, coffee maker, toaster, irons, etc....
Purchase surge protectors for expensive electronic items such as Home Theatre or computers....
Not only does installing a monitored Fire and Alarm system help prevent losses from occurring, but most insurance companies will also provide a discount....
Installing a Mainline backflow valve on your water line can help prevent sewer back up in a home. Many insurance companies will also provide a discount....
When possible, try not to leave the house while the dishwasher or washing machine is running. Many losses caused by water damage could have been prevented if the homeowner were present when the loss occurred....
Ensure downspouts are clear, allowing water to pass through. The extensions should also be long enough to make sure that water is being directed away from the home....
Create proper grading / slope away from your home, as this helps keep water away and from seeping in....