Home fires are a serious concern for homeowners, posing significant risks to property and personal safety. According to the most recent data, fire and lighting account for approximately a quarter of all homeowners insurance losses. Understanding the common causes of these fires is crucial for implementing preventive measures and safeguarding your home and loved ones.
Common Causes of Home Fires
Cooking Accidents
Cooking caused an average of 44% of all reported home fires in the U.S. from 2017-2021. These fires often result from unattended cooking, grease accumulation on poorly cleaned surfaces, or flammable materials placed too near to heat sources.
Heating Equipment
Heating equipment accounted for one in six reported home fires in the U.S. from 2016 to 2020, with improper use of space heaters being the primary cause. These fires frequently begin when flammable items such as curtains or blankets are positioned too near the heater, heaters are left unattended or malfunction, or worn-out or inappropriate power cords are used.
Electrical Failures or Malfunctions
Electrical failures or malfunctions were responsible for 13% of home fires in the U.S. from 2015-2019. Electrical fires in homes usually start when there’s an unintended spark between electrical wires, called arcing, which can happen because of worn-out outlets, damaged wires, or loose connections. This spark can get hot enough to ignite nearby materials.
Short circuits, which happen when wires touch and cause a surge of electricity, are another common cause. This can occur if cords are squeezed, wires are damaged during home repairs, or if too many appliances are plugged into the same outlet. Older homes with outdated electrical systems are particularly at risk, as they may not be able to handle the demands of modern electronics, leading to overloaded circuits and potential fire hazards.
Protecting Your Home from Fire
Use Caution with Cooking and Heating Equipment
Practice attentive cooking habits and maintaining a tidy cooking environment to reduce the risk of cooking fires. Use caution with space heaters, ensuring they are placed on a stable surface and kept clear of curtains, furniture, and other combustible materials. Adhere to manufacturers’ instructions for all heating and cooking equipment and watch for signs of wear and tear.
Maintain Electrical Safety
Regularly inspect electrical outlets and cords for signs of wear and damage, such as frayed wires, scorch marks, or loose connections. Promptly replace any damaged components. Avoid overloading circuits by limiting the number of high-wattage appliances plugged into a single outlet and use surge protectors. Consider upgrading old electrical systems to meet current safety standards, as outdated wiring and components are more prone to failure and pose a higher risk of electrical fires.
Install Smoke Alarms and Fire Extinguishers
Ensure you have working smoke alarms on every level of your home, inside bedrooms, and outside sleeping areas. Test these alarms monthly and replace the batteries at least once a year to ensure they are functioning properly. Smoke alarms should also be completely replaced every 10 years. Additionally, keep fire extinguishers in key areas such as the kitchen, garage, and near fireplaces. Educate household members on how to use them properly, as they can be crucial in controlling small fires before they spread.
Does Home Insurance Cover Fire?
A homeowners insurance policy typically covers your home and personal property against accidental fires. This may include paying for the rebuilding or repair of your home and the structures on your property that are not attached to your home. A typical policy may also cover personal belongings within your home and may provide for additional living expenses, such as hotel stays, while your home is being repaired or replaced.
Your Farm Bureau Insurance agent is available to help you understand your policy and determine if you have the coverage you need. Contact your local agent with questions about your policy.
Disclaimer: The information included here is designed for informational purposes only. It is not legal, tax, financial or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts.
Sources:
U.S. Fire Administration
National Fire Protection Association
