Home improvement safety tips to help clients prevent DIY risk

Home improvement projects are a great way for homeowners to customize and enhance their living spaces. Unfortunately, DIY projects can introduce a range of safety hazards for homeowners, from simple accidents to serious injuries. As an insurance agent, you are positioned to share safety advice that helps keep clients out of harm’s way while also protecting them from costly insurance claims.

Nationwide’s 2024 Q4 Homeowners Survey shows over half of homeowners completed renovations in the last two years, with kitchens and bathrooms the most popular upgrades. Yet, many homeowners also feel uncertain about tackling complex tasks, particularly those involving electrical work. Here are some tips to help guide client conversations to promote a safer approach to home improvements. These safety tips can empower clients to recognize when to seek professional help and stay safe while working on simpler tasks themselves.

1. Wear the proper safety gear

Many DIYers overlook the importance of proper safety gear, but it’s essential to protect against hazards:

• Wear protective eyewear—Flying debris, dust and small particles are often unavoidable in-home improvement projects. Safety glasses or goggles can help prevent injuries that might lead to eye damage.
• Use gloves—Sturdy work gloves are essential for avoiding cuts, scrapes and exposure to chemicals. Remind clients to consider specialized gloves when handling materials like paint or solvents.
• Wear earplugs—Power tools can be extremely loud, with prolonged exposure leading to permanent hearing damage. For loud equipment, ear protection is a must.

Explaining these tips to insureds can make them more mindful of potential hazards and reinforce the importance of using appropriate safety gear to minimize the risk of injuries and claims.

2. Maintain a safe project environment

A clean, well-lit and organized workspace is a safe workspace:

• Adequate lighting—Dimly lit areas increase the likelihood of mistakes and accidents. Encourage homeowners to add lighting, especially when working after daylight.
• Room to work—Make sure there’s enough space to work comfortably. Clutter-free zones reduce tripping risks, and keeping children and pets out can prevent accidents.
• Cleanliness—Regularly clear away cleaning supplies, chemicals, sawdust, debris and tools to avoid slips and trips. Additionally, ensure power tools and volatile materials are stored securely to prevent accidents.

With many homeowners taking on interior and landscape remodels, promoting these habits can keep them safer throughout their projects.

3. Be mindful of ladder safety

Each year in the U.S., ladder-related falls result in over 100 fatalities and injure thousands more.¹ Share these ladder safety fundamentals with clients:

• Follow the “Rule of Four”—For every four feet of ladder height, place the base one foot away from the wall. This creates a stable angle.
• Check the angle—Standing at the base, homeowners should be able to extend their arms and comfortably grasp the closest rung. If the angle is too steep or shallow, the ladder can become unstable.
• Secure the ladder—Suggest tying the top of the ladder to a secure object and asking an adult to hold the base for added support.

With ladders increasing the risk of serious injury, these ladder safety tips can reduce potential claims from falls.

4. Handle power tools with caution

Power tools simplify home projects but are a leading cause of accidents. With power tools being involved in approximately 400,000 emergency room visits annually in the U.S.,² remind homeowners of these precautions:

• Use personal protective equipment (PPE)—This should include face shields, eye and hearing protection, along with dust masks for certain tools.
• Inspect tools before use—A quick visual inspection can reveal missing guards or other issues. Remind clients to never rush or overextend themselves when using power tools.
• Maintain the right condition—Faulty tools can be dangerous. Using a tool that’s in good condition and designed for the task is essential.

Many homeowners delay maintenance due to costs, but handling tools responsibly can prevent minor mistakes from becoming costly claims.

5. Keep cutting blades sharp

While it may seem counterintuitive, dull blades are more dangerous than sharp. When blades are dull, clients may apply excessive force, increasing the risk of slips and accidents. Share these maintenance tips:

• Regularly hone and sharpen blades—Tools like honing stones or sharpening attachments can keep saws and knives in peak condition. A local hardware store may also offer sharpening services.
• Use the right blade for the job—Having the appropriate blade reduces effort and leads to cleaner, safer cuts.

Emphasize that keeping blades sharp isn’t just about efficiency; it also minimizes the risk of injury, protecting clients and their property from avoidable damage.

6. Avoid electrical hazards

Electrical work is one area where professional help is often necessary. According to Nationwide’s survey, only 17% of homeowners feel confident handling electrical tasks, which underscores the potential risk. For those who feel capable, these tips are essential:

• Turn off the main breaker—Ensure no current is running and clearly communicate this to anyone in the household. Using a voltage meter confirms the area is safe.
• Use insulated tools—Insulated tools and rubber gloves add a layer of protection against accidental shocks.
• Avoid metal ladders—Suggest clients use fiberglass ladders when working with electricity, as metal ladders conduct electricity.

7. Utilize safety guides and instruction manuals

When tackling home improvement projects, preparation is key. Share these tips to ensure clients are properly prepared before they start:

• Have a plan—Breaking a project into steps can help clients stay organized and ensure they have everything they need.
• Understand instructions—Thoroughly reading instructions reduces mistakes and lowers the chance of damaging property.
• Seek advice from experienced DIYers—Talking to someone who has completed a similar project can help clients anticipate challenges and avoid mistakes.

With cost being a leading reason homeowners delay maintenance according to the Nationwide survey, a little upfront planning can go a long way in avoiding unexpected expenses later.

Help your homeowners discover the importance and benefits of home insurance

Sharing these safety tips can empower your clients to take on home improvement projects with greater confidence and care. By wearing proper safety gear, maintaining a clean workspace, using ladders and power tools correctly, and recognizing when to consult a professional, homeowners can reduce the likelihood of accidents and costly insurance claims.

Remind your homeowners that their safety and peace of mind are essential. Help them discover the importance and benefits of comprehensive home insurance to further protect their homes, investments and families.

Learn more about how Nationwide’s homeowners’ insurance can support them.