How To Prevent Fires When Using Space Heaters

space heater

space heater“The weather outside if frightful, but the fire is so delightful”…well not all of us have a fire place, but a space heater will make due. Supplemental heating, such as space heaters, is the leading cause of house fires from December through February. They are the second leading cause of home fires year-round. 

Space Heaters – Did You Know?

According to the National Fire Protection Association, supplemental heating equipment is the leading cause of home fires from December through February, and the second leading cause of home fires year-round. Keep the following safety precautions in mind when using such equipment, like space heaters.

How Can You Keep Your Home Warm And Safe?

To help avoid a home fire, and a homeowners insurance claim, keep these safety tips in mind this winter:

  • Do not use space heaters to warm bedding, cook food, thaw pipes or dry clothing. These tasks can present major fire and burn risks.
  • Only use space heaters with the Underwriters Laboratories (UL) safety mark. The UL signifies that the produce was tested for potential safety hazards.
  • Purchase units with automatic shut-off features and heating element guards.
  • Keep sources of fire at least 3 feet away from heater, including drapery, clothing or bedding.
  • Turn off space heater when leaving the room to prevent burn injuries.
  • Periodically check for frayed insulation, broken wires and overheating. Have your space heater serviced immediately if you notice any of these problems.
  • Use only fuel recommended by the manufactures for liquid-fueled space heaters.
  • Avoid using extension cords. If you must do so, make sure that the cord is the right gauge size and type for the heater.
  • Avoid placing space heaters in high-traffic areas of your home. Units with long cords can present a tripping hazard. 

Following the above safety precautions can help you have a warm, safe winter. After all, you families comfort and safety are surely a top priority. 

At Rinehart Insurance we do more than help you prevent claims. Call us today to discuss all of your insurance needs.

Weather Damage and Your Home Insurance Policy; What You Need To Know

Weather damage

Weather damageWhen you purchase a homeowners insurance policy, you anticipate most weather related damages to be covered. Well, that is not necessarily the case. Depending on the terms of your home insurance policy, some weather-related damages may not be covered. Understand your homeowners insurance policy before a claim happens is extremely important.

To ensure you have sufficient coverage, you must first understand what weather damage claims are typically covered under a standard home insurance policy.

What is typically covered?

Perils typically covered under your insurance policy include:

  • Lightning strikes. Lightning may result in severe smoke or fire damage. Or cause power surges that can damage appliances or electronics in your home.
  • Hail, wind and fallen trees. All three can lead to a variety of damages to your home that are typically covered under a homeowners policy.
  • Frozen pipes. Frozen pipes and a small variety of other water-related damages may be covered under your insurance policy. The source of the water can determine your insurance coverage.

What is typically excluded?

Perils often excluded from your insurance policy include:

  • Sewer backups and flooding. Certain water damage that may be due to negligence will typically not be covered under your policy.
  • Hurricanes, floods and earthquakes. Most natural disasters are not covered under a standard home insurance policy. However, you may be able to purchase separate policies if certain disasters are common in your area.

What can I do?

Talk to your agent today to determine what weather damage is covered or excluded under your homeowners insurance policy. There may be additional overages you can purchase to cover excluded perils. Understanding your policy can help reduce stress in the unfortunate event that you do have a claim. Dealing with a claim is stressful enough. Dealing with a claim and finding you have no coverage is just horrible! We want to help make sure that does not happen to you. 

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