There were an estimated 475,500 structure fires reported in the United States in 2016, resulting in $7.9 billion in property damage. According to Farmers Mutual of Tennessee, a leading homeowners insurance provider headquartered in Knoxville, much of this damage could have been avoided with a few basic precautions. Below, the insurance company explores these safety measures by discussing the most common causes of house fires.

5 Common Causes of House Fires

1. Cooking Equipment

According to the National Fire Protection Association, nearly half of the reported house fires between 2011 and 2015 were caused by stovetops, hot plates, microwaves, grills, and ovens. Always stay in the room when you are cooking or ask someone to watch your food for you. Also, if you plan on hosting a Labor Day barbecue or end-of-summer bash this year, remember to clean your grill beforehand and keep tablecloths and napkins away from all heat sources.

2. Heating Equipment

According to this homeowners insurance provider, many Tennessee residents use wood stoves or portable heaters for extra warmth in the fall and winter months. Keep these devices at least three feet away from bedding, curtains, furniture, clothing, and other flammable items. Also, have a professional inspect your furnace, boiler, and other primary heating equipment annually to ensure they meet safety standards.

3. Candles

Candles, like cooking equipment, can cause a fire when left unattended. Always blow them out before leaving a room. Also, keep them away from any items that might catch fire like books or curtains.

4. Faulty Wiring

Between 2010 and 2014, an estimated 45,210 house fires were caused by electrical failure or malfunction. Check your home for any frayed wires and overloaded power strips that could cause a fire and require you to file a homeowners insurance claim. Also, have a licensed electrician inspect your home annually.   

5. Smoking Materials

Tobacco usage is harmful not only to your body but also to your home. In 2011, smoking materials caused an estimated 90,000 fires nationwide, resulting in $621 million in property damage. If you smoke, do it outside or otherwise away from other flammable materials. Additionally, always fully extinguish the butt before disposing of it.

By following these suggestions, you may be able to avoid damages that could result in a large insurance claim. For more information on protecting your property, get in touch with the team at Farmers Mutual of Tennessee. Since 1913, they have provided quality insurance coverage at an affordable price to residents throughout the state of Tennessee. Their local independent agent will be happy to help you find the right coverage for your home, mobile home, rental dwelling, or farm at a price that suits your budget. Give Farmers Mutual of Tennessee a call today at (800) 824-9555, and visit them online for more information on homeowners insurance and other policies.