As the leaves change and temperatures drop, fall brings cozy moments but also increased fire hazards. From space heaters to bonfires, the season comes with its own set of fire risks. Payne Insurance Group is here to help you prevent fires and ensure your homeowner’s insurance is up to date. Here’s how to keep your home safe this fall:

Space Heaters: Stay Warm, Stay Safe

Why They’re a Risk:
Space heaters are convenient but can be dangerous if placed near flammable objects.

What You Can Do:

  • Keep heaters at least three feet from anything that can catch fire.
  • Turn them off when you’re not in the room.
  • Use heaters with automatic shut-off functions.

Payne Insurance Group Tip:
Make sure your insurance covers fire damage caused by space heaters. We can review your policy to ensure you’re protected.

Fireplace Safety: Cozy with Caution

Why It’s Important:
A neglected fireplace can lead to chimney fires, which are especially common in the fall.

What You Can Do:

  • Get your chimney cleaned and inspected annually.
  • Use a screen to prevent sparks from flying into your home.
  • Never leave a fire unattended.

Payne Insurance Group Tip:
If a fireplace fire causes damage, you’ll want to be sure your policy has you covered. Payne Insurance Group can help you review your fire protection coverage.

Candle Safety: Avoid a Flicker Turning into Flames

Why It’s a Fire Hazard:
Candles may set the mood, but they are a leading cause of house fires.

What You Can Do:

  • Keep candles away from flammable objects like curtains.
  • Never leave them burning unattended.
  • Opt for flameless candles for a safer alternative.

Payne Insurance Group Tip:
Candles can cause significant damage. Make sure your homeowner’s insurance is up to date with fire protection that includes personal property coverage.

Outdoor Fire Pits: Bonfires Done Right

Why They’re Risky:
Unattended fire pits and bonfires can easily get out of control.

What You Can Do:

  • Keep fires a safe distance from structures.
  • Have a water source or fire extinguisher nearby.
  • Never leave a fire burning unattended.

Payne Insurance Group Tip:
If an outdoor fire damages your property or your neighbor’s, ensure your policy covers both fire and liability claims. Payne Insurance Group can assist with updating your coverage.

Smoke Alarms and Fire Extinguishers: Your First Line of Defense

Why They’re Crucial:
Working smoke alarms and accessible fire extinguishers can save lives and reduce damage in the event of a fire.

What You Can Do:

  • Test smoke alarms monthly and change the batteries regularly.
  • Ensure a fire extinguisher is nearby and in working order.

Payne Insurance Group Tip:
Preventive measures are essential, but if a fire occurs, Payne Insurance Group can help ensure you have adequate coverage for repairs and replacements.

Get peace of mind this fall by reviewing your homeowner’s insurance with Payne Insurance Group. Contact us today for a free policy review to ensure you’re fully covered in the event of a fire.