House fires cause destructive, costly damage and can change the lives of those involved forever. The encouraging news is some of the most common triggers are preventable and can protect you, your loved ones and property from financial and emotional disaster. Here are some of the top causes of house fires as reported by insurance companies.

4 Most Common Causes of House Fires

1. Faulty Electrical Wiring

When plugged in, damaged electrical cords can ignite and quickly cause sparks and flames. Power sources overloaded with plugs may also overheat. Check appliance cords for any signs of fray and other damage. Stop using them, and as an added layer of protection, have your home’s electrical systems periodically inspected by an electrician.

2. Unattended Cooking Utensils

Not paying attention to pots and pans cooking on the stove or oven is a recipe for fire damage. Oil can overheat, and boiling water may evaporate and cause a burnt pan to ignite. Insurance agents advise resisting distractions that take you away from the kitchen while cooking. Never answer the phone or leave the area without turning the stove or oven off.

3. Space Heaters

On cold, winter nights, some turn to space heaters as an extra source of warmth. Unfortunately, these devices can tip over and set carpet, drapes, and other materials ablaze. Turn off space heaters when you go to bed and never leave them unattended.

4. Smoking

Insurance agents say cigarettes that have not been properly extinguished are among the most widespread causes of house fires. This includes cigars, pipes, and even e-cigarette devices. Ensure that these items are completely put out and turned off to avoid extensive smoke and fire damage.

With due diligence and proactive measures, you can prevent a fire from occurring in your home. Have a reliable homeowners insurance policy in place for the unexpected. Alleghany Insurance Services in Elkins, WV, is the firm residents and business owners call on for trusted and affordable protection. The independent agency works on your behalf by shopping for the best rates and terms from the nation’s leading carriers. If you’re in the market for new coverage, call (304) 636-1680 for a complimentary consultation and free insurance quote. Check out the website for information on the full suite of services.