While it’s always important to take precautions against property fires, it’s especially relevant during the holidays. The National Fire Protection Agency contributes an increase in residential fires to the candles, Christmas trees, and decorations that are particularly prevalent during this season. Aside from maintaining homeowners insurance, there are steps you can take to ensure your safety, particularly during the holiday months.
A Guide to Avoiding Fires During the Holidays
1. Pay Attention When Decorating
The decorations we love the most also tend to be the most hazardous. Be sure to place Christmas trees at least 3 feet away from a heat source, as they are susceptible to fire, especially as they dry out throughout the month. Never burn real candles near your tree, and check that your fire alarms in your house are working properly in case of an emergency.
2. Switch to LED Lights
It’s easy to overload your electrical outlets with numerous adapters and electrical devices. However, you can avoid a potential for fire—and the resulting homeowners insurance claim—by switching to LED lighting this holiday season. These lights are 75% more efficient and reduce your electrical load by seven times what incandescent bulbs use. If you plan to hang lights, use clips instead of nails, so you don’t damage the wiring, and make sure that the ones you use are appropriate for indoor or outdoor use, depending on your need.
3. Double Check Your Homeowners Insurance Policy
Though you’re busy with holiday plans, be sure to double check your homeowners insurance policy before this time of year. With the increased threat of fires this time of year, it’s important to make sure your policy is up to date. Speak with your insurance agent to ensure that you have the proper coverage in the event your home or property is damaged due to a fire, vandalism or injury.
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.