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Published with permission from RISMedia.

Even if you vacuum frequently and clean up spills immediately, your carpets may be filled with ground-in dirt, dust, bacteria, germs and allergens.

Those toxins can lead to poor indoor air quality that can affect your family’s health.

Hot water extraction, or steam cleaning, can remove toxins trapped in carpet fibers and make carpets last longer.

You should clean your carpets at least every 12 -18 months, but more often if you have kids or pets, your carpets get a lot of foot traffic or they are particularly dirty.

You can buy or rent a machine and clean your carpets yourself, but professional machines use more heat and suction.

Published with permission from RISMedia.

Published with permission from RISMedia.

If your homeowners insurance policy covers your pet, it will pay for injuries or damage the pet caused to a person or property not named in the policy.

But it won’t cover injuries to your family or home.

Many companies deny coverage for dog breeds considered aggressive, regardless of the pedigrees or individual histories. Some companies provide coverage, but with high premiums.

Homeowners policies generally exclude exotic pets, such as ferrets and snakes.

Standard liability limits might not be enough. Consider a dog liability policy, umbrella policy or excess policy.

Tell your insurer about your pet. If you dont, it may deny a claim and/or cancel your policy.

Published with permission from RISMedia.

Published with permission from RISMedia.