Safeguarding your home from fire is essential by following simple safety protocols and understanding specific hazards. Although homeowners insurance covers fire damage, you should still reduce your risk as much as possible. It is easier than you think to keep your home safe. Added fire safety requires little more than some advanced preparation and careful planning. You might even find that it saves you money. Most insurance companies offer some premium discounts for certain fire safety precautions.
Safeguarding Your Home From Fire With These Suggestions
When you are ready to improve your home’s fire safety, there are a few key elements that you should focus your efforts on.
Install New Smoke Alarms for Homeowners Insurance Savings
Smoke alarms are a vital part of every home’s fire safety protocol. Installing new alarms allows you to upgrade to the latest technology and opt for central monitoring. With smoke alarm systems like this, you can get an additional discount on your home insurance policy for the integrated safety system. Test your smoke alarms monthly, replace the batteries a couple of times a year, and ensure adequate smoke alarm coverage throughout the house.
Prioritize Kitchen Fire Prevention
The kitchen is one of the most dangerous areas regarding home fire prevention. Every kitchen should have a combination fire extinguisher easily accessible. Ensure that dish towels and oven mitts stay safely away from burners and ovens.
Recognize the Risks of Home Heat Sources
A leading cause of fire claims on homeowners insurance is home heating appliances. Whether using portable heaters, a wood stove, or a fireplace, ensure that anything with an open flame or significant heat production has a clear perimeter. Avoid exposure to anything flammable in these areas. Use portable heaters safely and unplug them when they are not in use.
Reduce Your Risk of Dryer Fires
When you look at the most common household fire claims on personal insurance policies, the dryer is another leading hazard in homes. Keep your lint screen cleaned regularly. Clear any accumulated lint or dust from the vent lines as well. Plan for annual inspections and maintenance once your dryer is several years old. It helps spot and address potential problems early.
Address Electrical Safety Throughout the House
Homeowners insurance typically covers electrical fires, but preventing them is easier than you think. Be attentive to issues with electrical outlets, use power strips and extension cords safely, and work with an electrician if you have any concerns.
Create and Practice an Exit Plan
Another key to being prepared in case of a fire emergency is ensuring that you have an evacuation plan for your entire family. Provide multiple exit routes so that everyone has options to get out safely. Identify a gathering point as well to ensure that everyone is safe.
Talk With Your Homeowners Insurance Carrier for Other Tips
Some insurance companies offer safety audits and can provide further information about ways to minimize home fire risks. Talk to your carrier about any resources that may help, and check with your local fire department. The fire department is a valuable source for home fire safety information.
About Sine Insurance
At Sine Insurance Group, we are dedicated to providing you with custom-tailored insurance policies to protect your assets. Our comprehensive packages have been expertly crafted to serve St. Louis and the surrounding areas for the past 25 years. For more information about our products, contact us today at (855) 700-0889.