Wintertime Fire Safety: Protecting Your Home and Family

When temperatures drop, the risk of home fires rises. In fact, more than half of all home heating fires occur during the winter months, and heating equipment is involved in one out of every five home fire deaths. As we cozy up indoors this season, it’s important to stay vigilant about fire safety and make sure your homeowners insurance provides the right protection.

At Barnum Property & Casualty, we’re committed to helping you safeguard your home and your loved ones through every season.

How to Heat Your Home Safely

According to the National Fire Protection Association (NFPA), heating equipment fires are the second-leading cause of home fire deaths in the U.S. Most of these incidents can be prevented with simple safety precautions.

Here are some key winter fire safety tips to keep in mind:

• Choose heating equipment that has been tested and certified by an independent safety laboratory.

• Have all systems installed by a licensed professional and in compliance with local fire and building codes.

• Keep portable heaters at least 36 inches away from anything that can burn, including furniture, bedding, clothing, and curtains.

• Only run space heaters when you’re awake and in the room — and always supervise children and pets nearby.

• For kerosene heaters, only use the manufacturer-recommended fuel and store it safely in an approved, clearly labeled container.

• Schedule a chimney inspection and cleaning at the start of every heating season.

• Follow the manufacturer’s instructions for wood stoves and dispose of ashes properly — soak them in water and keep them outside, away from your home.

• Use heating pads or electric blankets responsibly: don’t fold them, cover them with other items, or leave them unattended. Replace any that are worn or over 10 years old.

Fire Hazards During the Holiday Season

The holidays bring joy — and a few extra fire risks. Between cooking, decorations, and festive lights, it’s important to stay alert and plan ahead.

Holiday fire safety tips:

• Always extinguish candles before leaving the room or going to bed.

• Place candles in sturdy holders, far from drapes, decorations, and children or pets.

• Never use candles to decorate your holiday tree.

• Stay in the kitchen while cooking — unattended stoves are the leading cause of home fires.

• Keep live Christmas trees well-watered and away from heat sources.

• If using an artificial tree, ensure it’s labeled as flame-retardant.

• Check light strings for frayed cords and unplug all decorations before leaving home or sleeping.

• Avoid overloading outlets or running cords under rugs.

Review Your Homeowners Insurance Coverage

Fire damage can be devastating — but the right insurance coverage can help you recover more quickly. Confirm that your homeowners insurance policy provides replacement cost coverage for both your home and your belongings.

If you’re unsure whether your policy reflects your current needs, contact Barnum Property & Casualty. Our team will review your coverage, explain your options, and ensure you’re properly protected this winter and beyond.

Stay Safe This Winter

A few preventative steps today can help you avoid major problems tomorrow. By following proper home heating and fire safety practices, you’ll keep your home warm, safe, and secure all season long.

Contact Barnum Property & Casualty to review your homeowners or renters insurance and make sure you’re covered for whatever winter brings.