Insurance tips for Preventing Space Heater Fires!

With the cooler weather rolling in, insurance agencies know this is the time that many homeowners get out their space heaters.

Considering the cost of electricity right now, many families may depend more on their space heaters than during previous winters, too.

Unfortunately, with the rising use of these heaters, insurance companies usually see a rise in fire insurance claims.

These tips from insurance agents can hopefully help homeowners avoid a space heater fire, and the damage that can result!

  1. Start With A Safety Inspection -  Before the first lighting of the season, insurance agencies recommend doing a safety inspection of the wiring and plugs, after which any broken parts be replaced or repaired as necessary for safe operation. 
  2. Put It In The Right Place - Once the space heater is confirmed to be in good condition for use, position it in an area that is at least three feet away from furniture or walls that can ignite. Set space heaters on hard, uncarpeted floors like wood or tile, as carpeting can build up heat from under the heater and melt or ignite as well.
  3. Avoid Extension Cords - Since they draw a strong current and insurance companies see many fires started from overheated extension cords, only run a space heater by plugging it directly into a wall outlet. 
  4. Keep Flammable Items Away - Keep anything flammable, especially fabric and flammable liquids, far away from space heaters as this is a cause for many of the fires reported to insurance companies
  5. Keep Kids And Pets Away - Kids and pets could be injured around hot space heaters or knock heaters over, causing a dangerous spill and fire. Teach children to avoid space heaters at all times, do not allow them to light or control them, and only use them in areas where pets will not encounter them. Surrounding space heaters with metal baby or pet gates is a useful idea to prevent injuries and accidents. 
  6. Don’t Leave It Unattended - Insurance agents stress the importance of never leaving a running space heater unattended. Turn it off if it is necessary to leave the room or the house for a period of time. 
  7. Turn It Off At Night - Similar to the point above, space heaters should also be turned off at night while everyone is asleep. They should only be run while someone is awake to monitor them and intervene should a problem arise.

Electric space heaters are a cost-effective heat alternative to turning up the thermostat in the whole house.

When used carelessly, they are the cause of many of the dangerous and damaging house fires reported to insurance agencies every winter.

Observe these important safety tips from insurance agents and stay safe and warm this year!

Gaining Knowledge About Insurance Will Help You

You want information about insurance and you would like to have it in a easy to understand format.

If this is the case, this article will be perfect for you.

We will lay out some of the most important tips and guidelines in a way that you can quickly digest.

Travel Insurance

When selecting a company that sells travel insurance, always go with a third-party company.

While many airlines and cruises sell travel insurance, it is most likely designed to protect the company offering the trip, not the consumer.

Travel insurance is a great investment, but only if it works for you.

Insurance Claims

When filing an insurance claim, be sure to write down the claim number as soon as your are given it and keep it in a safe place.

This is helpful because you will need this number at any point that you speak with the insurance company about the claim.

You may find it helpful to copy this in multiple locations such as on your computer and phone.

Handling Insurance Claims

Be wary of any non-disclosure or confidentiality agreements presented to you during an insurance claim.

You may unknowingly sign away your maximum benefits allowed to you.

Be sure to consult with a lawyer first to ensure that what you are signing is legitimate and fair for all parties.

Moving Insurance

If you are moving, be sure to check with your moving company to see what kind of insurance they carry.

Most moving companies just have a "per-pound" policy on all contents.

This might be alright if you just have fairly ordinary, large furnishings; however, if you have very expensive furniture, artwork, lots of electronics or other items that may not weigh much but are valuable, you should ask your insurance agent about supplemental moving insurance.

Summing It Up

In conclusion, we have provided you some of the most crucial aspects regarding insurance.

We hope that you not only were able to learn something, but also will be able to apply it.

Follow our advice and you will be one step closer to being an expert in insurance shopping!