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house on fireHouse fires are one of the most common and dangerous forms of property loss a homeowner can face.

Your homeowners insurance will likely cover your home and belongings in the event of a fire. But, one of your worst nightmares is to imagine having to use your policy to rebuild following a fire.

As a homeowner, you want to do everything you can to protect your home from fires. Here are some things to do to reduce the risk of fires in your home.

  • Make sure your smoke detectors work and replace batteries as needed. An early warning may be the difference between an extinguishable and out-of-control fire.
  • Check your appliances, electronics and lights for frayed wiring. Sparks can ignite nearby upholstery.
  • Have your home’s electrical system inspected to make sure it is not damaged and up to code. Some older homes should have their electricity inspected before you even move in. Replace or repair worn wiring or outlets.
  • Clear dead shrubbery and cut limbs at least 20 feet back from chimneys. Don’t burn shrubbery near your home or during dry, windy conditions.
  • Do not overload electrical sockets. You should also put cords on top of carpets rather than under them.
  • Keep items like dishrags, napkins, blankets and clothing away from flames or open heat.
  • Always fully extinguish matches, cigarettes or cigars before disposing of them.
  • Have your fireplaces, chimneys and oil heaters inspected and cleaned yearly. Clean out ashes regularly and dispose of them in non-flammable containers.
  • Cover open flames with wire screens, or if you’re cooking, cover hot grease with a lid.
  • Keep a fire extinguisher, sand bags or fire blanket in your house and within reach.
  • Never leave a source of fire unattended.

There are always things that we can do to minimize the risk of fires in our homes. Taking simple steps to reduce your fire risk can help you never use your home insurance to clean up after a fire.

If you have questions about how your homeowners insurance policy covers fire damage, call McFarlin Insurance today at (410) 312-7800.
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McFarlin Insurance Agency, LLP
8325 Guilford Rd, Suite A
Columbia, MD 21046


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