Home Insurance

Home insurance and Fire Risk

Home Insurance - FireNothing is more terrifying. The thought of flames racing through your home is probably your worst nightmare. Unfortunately, it is an all-too-frequent occurrence in this country. Every year, 4,000 Americans die in fires. The vast majority of those deaths occur at home – each year, 100,000 homes are destroyed, 40,000 family pets are killed and uncounted irreplaceable family treasures are lost forever.

Tragically, most fires are preventable. The leading cause of fires in the home is faulty heating equipment. A couple of simple measures can ensure that your home heating system is safe. For example, changing your air filter regularly will ensure that your furnace isn’t overtaxed. And don’t leave piles of newspaper or other combustibles within two feet of your furnace.

While home heating systems are the No. 1 cause of fires in the home, cigarettes are the No. 1 factor in home fire fatalities. If you do smoke, be sensible. Don’t smoke in bed. Use a large metal or glass ashtray. Put that cigarette out with water before you drop it in the trash.

The No. 2 cause of fire-related deaths is arson. Intentionally set fires claim the lives of more people each year than all natural disasters – including floods, hurricanes, tornadoes and earthquakes – combined. Most arson fires are fueled with combustible material found nearby. A little diligence around the house, along with a watchful eye for strangers, can make a world of difference.

In fact, a little diligence is the key to home safety in general. It may go without saying, but smoke detectors that work, fire extinguishers that are well-charged and easily accessible, and a ladder for the upper floors can save money and lives.

Want to make sure you’re covered?  Get a Home Insurance Quote Today!  CA Home Insurance is  very affordable and a great investment for any homeowner that is looking for protection against unforeseen tragedies.