Tips for Preventing Fires in the Home

written by: Lou Albini; article published: year 2009, month 12;

In: Root » Legal and finance » Insurance

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House fires are one of the leading causes of home insurance claims. Learn how you can protect yourself and your family against a possible devastating fire.

One of the most common causes of homeowners insurance claims are house fires. Not only are they surprisingly common, but when they do occur they usually cause extensive damage. Even buildings that aren't destroyed by the fire could be heavily damaged or even ruined by smoke damage or damage caused by the firefighting efforts to put out a blaze.

If you have insurance for the home, it's important to understand how to prevent house fires. Not only will this help you avoid losing your house and putting your family at risk needlessly, but in many cases taking steps to prevent fires in the home can also mean savings in your insurance premiums. Here are a few free home insurance tips for preventing house fires:

  • Don't leave food unattended on a stove when you are cooking. Make sure that flammable objects such as towels and potholders are clear of open flames and avoid wearing long-sleeved shirts with billowing fabric if you are cooking (especially if you are using a gas oven).
  • Don't leave cigarettes burning in an ashtray or avoid smoking indoors all together. Quitting smoking can greatly reduce the premium you will see on a home insurance quote for a reason: smokers are at a higher risk for house fires.
  • Install smoke alarms on every floor of the home and in every bedroom. Make sure that the smoke alarms have fresh alarms and are tested on a regular basis. Having properly maintained smoke alarms in your house is another factor that can lower the cost of your home owner insurance.

Lou Albini is a freelance writer specializing in financial services and insurance. His work has been published in major print and online news sites. He lives in Brooklyn, NY.

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