With cold weather now upon us and a whole winter season still to go, homeowners everywhere will be utilizing their heating systems and fireplaces to keep indoor temperatures comfortable. But with these actions comes a certain risk: fires. There are many different things that can become fire hazards if homeowners are not careful, and it is important to both educate themselves about what these hazards are and to ensure that they have the proper home insurance policy to protect against any potential damage. Read on to find out more!
While there are certainly fire hazards associated more with seasonal causes (i.e. using a fireplace in winter), some risks remain year-round ones. For instance, according to statistics compiled by the National Fire Protection Association, 41 percent of all home fires begin in the kitchen. Burning something on the stove or in the oven can cause a kitchen fire, as can improperly handling certain kitchen safety equipment, such as oven mitts, around open flames. As the gas burner on a stove top can reach a whopping 3,000 degrees in temperature, it is important to note that the risk of fire in a kitchen is very high relative to other parts of the house, and so you should be cautious and attentive when cooking.
Your home insurance policy can be designed to ensure you have coverage in the event of a fire, but it is of course ideal to avoid the fire in the first place. In the winter, homeowners should take note of how their furniture and other belongings are laid out in their homes. Are certain pieces pressed up against the heater or radiator? To best prevent fires, an open space no less than three feet should be kept between a heater and any other flammable object in your home. If you are using candles to provide additional warmth and light in winter, these too need to be carefully monitored and kept far away from anything flammable: Candles cause up to 32 fires per day in the United States alone!
Being cautious, installing proper smoke detectors and alarms, and updating your home insurance policy to account for fire damage are all the essential steps you as a homeowner must take to keep your home safe from fire.
Looking for someone to discuss your home insurance options with? We’re here to help. At Wachter Insurance, we’ll sit down with you and help you to personalize your home insurance policy so that it works best for you and your needs. Please call us at 301.371.6335, visit our website, or drop by our Middletown, Maryland office to schedule your personal and informative appointment.