The winter semester at many colleges and universities is coming to an end. Before the end of January, the spring semester will commence. While most of the time college move-in day is associated with the end of the summer or early fall, it happens between the two semesters of a school year as well. If your child is planning on living off-campus this year, then it’s important that they follow some insurance tips on how to stay safe from a fire. (more…)
Posts Tagged ‘ fire safety ’
The holidays are a busy time! During this hectic season of shopping, cooking, and drinking, it’s wise to take a few precautionary steps to make sure you and your family are safe. With a little caution and planning, you’ll be sure to have a very merry holiday season!
Candles are everywhere during the holiday season. They burn beautifully and make our homes feel cozy and warm during the winter. Whether it’s a menorah, a candelabra, or a single tea light, there are steps you can take to make sure that the candles are the only things burning. First and foremost, never leave a candle unattended! If your family is all going to be out of the house all day, it’s a good idea to snuff your candles, lest you come home to a burning house. If you have small children or pets, make sure that your candles are placed in areas where they can’t be reached. This is pretty easy with children and dogs, but if you have a cat that enjoys knocking things off tables, then maybe skip the candles this holiday season. (more…)
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.
The first day of fall has arrived and it has certainly brought cooler air to the Frederick area. The chilly evening temperatures lend themselves well to boots, scarves, and bonfires (or fire pits). If you prefer to use a bonfire or fire pit to stay warm this fall, you should make sure that you are taking all of the precautions for keeping your home and family safe! A properly contained, safe fire can make all the difference between a fun night with friends and some disastrous consequences. We would like to present you with some tips for keeping your family safe around the fire this autumn!
Bonfire and Fire Pit Safety Tips
Know what shouldn’t burn. There are a few things that you should never throw on a fire. Batteries, aerosol cans, bottles, and paint are just a few of the items that could cause your fire to flare up too high or the items themselves to explode. Your best bet is to only burn fire wood and paper. If you have any questions about what you can and cannot burn, please contact the Frederick County Public Health Department. They’ll be able to instruct you on what is safe to burn in the area.
Make sure the fire is far enough away from your home. If you are building a bonfire, you need to make sure that it is at least 50 feet from the nearest building. Do not burn near trees or other structures. Sparks can easily fly away from the site of the bonfire and catch an overhanging branch on fire. You don’t want to run the risk of a fire spreading away from its contained area and wreaking havoc on your home.
Clear any brush from around your bonfire area. Dry leaves that fall this time of year are very susceptible to catching fire. Some can burst into flame if they are simply touched by a spark. It is advisable to only have a fire shortly after it has rained and to make sure that you have all of the leaves safely raked away from the bonfire area. Keeping this are neat will ensure the safety of your home, family, and guests. You should also make sure that they are far enough from the fire to stay safe as well.
Frederick Homeowner’s Insurance
Do you know what your homeowner’s insurance covers regarding fires? Talk to your insurance agent about your policy and learn more about what you can do to protect yourself in case of a fire. At Wachter Insurance Agency, we take the time to get to know you and find out more about what kind of coverage you need. We’re local to the Frederick area and can better understand your situation and needs. We are a family owned and operated facility, right down to the 3rd generation. We’re an independent agency representing the ERIE Insurance Group, Progressive, AIC – Agency Insurance Co., Foremost, Chesapeake Employers Insurance, and Wright Flood. Our offerings include auto, home, motorcycle, boat, flood, business and life insurance coverage. If you have any questions about homeowner’s insurance or business insurance, or if you’d simply like to talk to a representative, please feel free to contact us at 301.371.6335.