Winter in Wisconsin is a beautiful time of year, but it also brings added risks to homeowners. With heating systems running full blast, fireplaces roaring, and more time spent indoors, the risk of house fires increases significantly during the colder months. At Preferred Insurance Agency in La Crosse, WI, we want to help you protect your home and family. Here are some practical tips to reduce the risk of winter fires and ensure your home stays safe and warm all season long.
1. Have Your Heating System Inspected
Before winter sets in, schedule a professional inspection of your furnace or boiler. Dust, debris, or worn-out parts can cause overheating and fires. If you use space heaters, opt for models with automatic shut-off features, and keep them at least three feet away from flammable materials like curtains, bedding, and furniture.
2. Maintain Your Fireplace and Chimney
A cozy fire can be the highlight of a winter evening, but a neglected fireplace can be dangerous. Have your chimney cleaned annually to remove creosote buildup, which is highly flammable. Use a fireplace screen to contain embers and always extinguish fires completely before leaving the house or going to bed.
3. Be Cautious with Holiday Decorations
If you decorate your home for the holidays, make fire safety a priority:
•Use LED lights, which produce less heat and reduce fire risks.
•Avoid overloading electrical outlets or extension cords.
•Water your Christmas tree regularly to prevent it from drying out and becoming a fire hazard.
4. Practice Safe Cooking Habits
Winter often means more cooking and baking at home. Never leave the kitchen unattended when using the stovetop, and keep flammable items like towels and oven mitts away from burners. Make sure your stove hood is clean and free of grease, which can ignite quickly.
5. Test Smoke Alarms and Carbon Monoxide Detectors
Functioning smoke alarms are your first line of defense against house fires. Test your smoke alarms monthly, replace batteries annually, and install alarms on every level of your home. Don’t forget carbon monoxide detectors, especially if you use gas appliances or a fireplace.
6. Store Flammable Items Safely
Keep items like gasoline, propane, and cleaning supplies away from heat sources. Store them in a cool, well-ventilated area, and never place them near a furnace, water heater, or space heater.
7. Be Mindful of Candles
Candles add warmth and ambiance to your home, but they can also be a fire hazard. Never leave candles burning unattended, keep them away from flammable items, and consider switching to flameless candles for a safer alternative.
8. Use Caution with Electrical Devices
Inspect cords and plugs on your devices and appliances for damage. Frayed wires and overloaded circuits can lead to electrical fires. If you’re using electric blankets, follow the manufacturer’s guidelines and never leave them on while sleeping.
9. Create a Fire Escape Plan
No matter how many precautions you take, accidents can happen. Create a fire escape plan with your family, and practice it regularly. Ensure everyone knows at least two ways to exit your home and designate a meeting spot outside.
10. Review Your Home Insurance Policy
Even with the best precautions, fires can still occur. Ensure your homeowners insurance policy provides adequate coverage for fire damage. At Preferred Insurance Agency, we can help you review your policy to ensure you’re protected.
Stay Safe This Winter
By taking these steps, you can significantly reduce the risk of fires and enjoy a safe, cozy winter. If you have questions about your homeowners insurance or want to update your coverage, give us a call or visit our office in La Crosse, WI. At Preferred Insurance Agency, we’re here to help you protect what matters most.
Stay safe and warm this winter!
Preferred Insurance Agency
401 King St. La Crosse, WI 54601
608-881-6566
Filed Under: Home Insurance, Homeowners Insurance | Tagged With: #fireprotection, #firsttimehomebuyer, #homeinsurance, #LaCrosseHomeProtection, #westbend, #wintertips