Fire Safety 101
In the last five years, there were 343,100 home structure fires that resulted in 2,610 civilian deaths and almost 11,090 civilian injuries. Numbers like these are sobering, and perfectly illustrate why it's important to spend some time on fire prevention and planning. Here are some tips to keep you and your family out of harm's way:
Plan Your Escape
Practice an escape plan from every room in the house. Remind everyone to stay low to the floor and to never open doors that are hot to the touch. Lastly, select a specific location where everyone can meet after escaping a fire.
Maintain Your Smoke Alarms
Working smoke alarms can double your chances of survival. Install a smoke alarm at least on every level of your home, test them periodically and replace the batteries at least once a year. Your local fire department can tell you if more alarms are needed.
If you already have smoke alarms in place, you may need to replace them. Most alarms should be replaced after 10 years of service.
Prevent Electrical Fires
Electricity or faulty electrical wiring are common causes of home fires. Never overload circuits or extension cords, and avoid placing cords and wires under rugs or in high-traffic areas.
Use Appliances Wisely
When using appliances, read and follow the manufacturer's safety precautions. Overheating warning signs include unusual smells, shorts or sparks. Immediately turn off and unplug the appliance and have it checked by a professional repairman. Also, if you use a portable heater, remember to keep anything combustible at least three feet away from it.
This is also a great time to review your current home inventory list. Even if your family gets out safely, your personal belongings inside may be destroyed. With a Shelter homeowners policy, you can receive personal property coverage to help you restore your home and replace your belongings. And remember—an up-to-date home inventory, stored away from your home, is critical should the worst happen.
Note: Limits may apply to property of special value. If personal property coverage isn't sufficient for your needs, it may make sense to insure these items with a personal articles insurance policy.
The product information contained on this website is informational only and not a statement of contract. All coverage options are subject to the provisions of the policy purchased and details of the policyholder's situation.