When you take out a home insurance policy, you do so just in case—the longer you can get by without filing a claim, the better. Unfortunately, a house fire could leave you with no choice but to file one. Here are a few tips for avoiding this dangerous situation and a rise in monthly premiums.
How to Avoid House Fires
1. Clean the Dryer Lint Trap
During each cycle, your dryer collects lint from your clothes, which builds up in a filter or trap. If you don’t clean this out after every load, the fuzz will harbor heat in the appliance, increasing the risk of a house fire. To remind yourself, post a note on the door to empty the lint trap before you leave the room.
2. Don’t Crowd the Oven
Whether you’re frying on the stove or baking in the oven, this kitchen appliance produces a significant amount of heat. Therefore, it’s crucial to provide it with enough breathing room. When in use, move all dish towels, recipe books, and other flammable items at least three feet away. Also, avoid leaving the kitchen—if a fire erupts, early intervention is key.
3. Stock Up on Fire Extinguishers
To prevent the flames before they have a chance to spread, make sure you have fire extinguishers in every room that poses a hazard. In the kitchen, you’ll want a fire extinguisher that can handle grease fires. You should also have an all-purpose extinguisher in your living room, especially if you have a fireplace. When home insurance providers see that you’ve taken steps mitigate the threat of fires, it can lower your premiums.
If you’re looking for more ways to prevent a home insurance claim, reach out to Texas Brand Insurance in Hubbard, TX. They can match you with a policy that fits your needs, as well as offer tips on how to keep your premiums low. In addition to home policies, they also offer plans for RVs, motorcycles, cars, and boats. To learn more about their offerings from top providers like Progressive®, Travelers®, and Nationwide®, visit their website. You can also call (254) 576-1180 to schedule a free consultation for home insurance.