Whether it’s the wiring in your outlets or the stovetop burner, your home has many hidden fire hazards. Fortunately, there are steps you can take to significantly reduce your chances of sparking a fire. To help you avoid homeowners insurance claims, here are a few safety tips to follow.

How to Minimize the Risk of Fire-Related Homeowners Insurance Claims

1. Schedule an Electrical Inspection

Electrical fires are particularly dangerous because they cannot be put out with water and may spread quickly.

You can prevent them by keeping your system up to code. If your home has copper wire, have it inspected every 20 years. Homes with aluminum wiring should have an inspection every five years. Frayed cords and power strips used year-round are also fire hazards, so get all damage repaired and install more outlets as necessary.

2. Smoke Outside

Smoking is the leading cause of residential fires that result in deaths. These often start with ignited bedding, mattresses, and upholstered furniture.

Avoid this by always smoking outdoors; this will also limit the effects of secondhand smoke on your family. Keep an ashtray outdoors and soak the butts in water before you throw them away.

3. Use Portable Heaters Wisely

During the winter, portable heaters are also leading causes of home fires.

They can be used, but only with caution. Keep them at least three feet away from flammable materials, such as drapes and furniture. Use only heaters that are undamaged and have automatic shut-off features.

4. Cook with Care

Cooking is the top cause of home fires, and most of these are caused by leaving the food unsupervised.

Keep anything flammable away from the stovetop, including oven mitts and wood utensils. Always stay with food while it’s on the stove, and don’t cook if you’re tired or have been drinking. Keep a portable Class B fire extinguisher in your kitchen to quickly put out any fire.

If the worst should happen, a comprehensive homeowners insurance policy will protect you from the financial consequences of a fire. Bryan Nelson Ives-Johnson Agency INS is a licensed insurance agent serving Jamestown, NY, and the rest of Western New York. He will help you find the policy to suit your needs and budget. Learn more about the coverage he offers online and call (716) 488-1191 to request a quote.