RateGenius Insurance

9300 United Drive, Suite 180
Austin, TX 78758

Keep Your Home Safe from Household Hazardous Materials

Nearly every household in the United States has household hazardous material (HHMs) as part of the household cleaning and maintenance.  These are often stored under the sinks, in closets, garages, and basements.  They are useful to help make household chores easier, but they can pose a threat to those in your home, especially children, or to the environment if they are not disposed of properly when they are not needed or expired. 

How to Tell if a Product is an HHMs

Household products that are considered hazardous will have one of these keywords: Warning, Danger, Caution, or Poison.  If products in your home have any of these keywords, then they could be toxic, flammable, corrosive, or reactive.

  • Toxic products can cause immediate or long-term illness because they are poisonous.  Often these are paint thinner, pesticides, some automotive products, and some cleaners.
  • If the product is flammable, it will ignite easily.  Products like paint, paint thinner, solvents, and some automotive products are flammable and combustible.
  • Corrosive products can eat through materials.  Items like oven cleaner, drain cleaner, toilet bowl cleaners, and automobile batteries are corrosive products that can be harmful.
  • Reactive materials are household products that should never be mixed because they can create poisonous vapors or spontaneously ignite when mixed.  You’ll need to review product labels for warnings about other products not to mix with or to keep away from heat, air, water, or shaking because they can explode.

Rate Genius Insurance

Our agents at Rate Genius Insurance want everyone to keep their household safe from hazardous materials.  Make sure your home insurance provides adequate coverage for any incidents caused by HHMs by contacting a Rate Genius agent today.  We provide homeowner insurance coverage for those with homes in the United States.

Why you need Insurance

Texas is a large community that offers access to the many beautiful cities in Texas has to offer. If you are thinking about moving to Texas or have just made the move, make sure you are properly insured through an insurance company like RateGenius, who can provide a wide variety of insurance at competitive rates. Below are some types of insurance you may want to consider, depending on your living and work situation in Texas.


Home insurance is a critical thing to have in Texas for a vast number of reasons. Beyond the unpredictable flooding due to a pipe breaking, or a fire breaking out, there is the constant threat of weather in Texas. Beyond the powerful winds that could wipe out a house, there is the debris and other bits of damage that could make your home unlivable without insurance to repair it after the fact.


There is not a lot of useful public transportation in Texas so you will most likely need a vehicle if you plan on living there, which means you will also need auto insurance. There are policies available that fit all budgets based on how much you drive and hat type of car you own.


If you are working in Austin or in the surrounding area, having commercial insurance is a great idea, as you will need to protect yourself and your business from lawsuits and also your customers, depending on what type of business you own. The cost of this policy will obviously depend on what business you are doing and how vulnerable it may be.