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Homeowners insurance can be voided in several scenarios. That can include making too many claims in a short period of time, leaving a home vacant for an extended period of time, renting out a home or room illegally, using a home as a business illegally, and any kind of criminal activity connected to the home.

In most cases, having a fire hydrant installed on your property, whether it’s maintained by you personally or your municipality, will reduce your insurance premiums. Its proximity to any buildings on the property will reduce the time it takes to put out a fire, thus reducing the resulting damage.

Baseboard heaters are generally safe and efficient, but they can be dangerous if safety precautions are not followed. To ensure safety, do not block the heaters with furniture, drapes, open doors, or other items, and maintain clear space around them for proper heat flow. Regularly check that items have not fallen on or under the units. If you have children or pets, make sure they stay clear of hot heaters to avoid burns. For added safety, consider models with an automatic shut-off feature and have them professionally tested. If a problem occurs with a baseboard heater, always contact a qualified electrician or HVAC professional for repairs.

You can’t gauge the lifetime of a fire door like you could, say, an engine. Fire doors should be checked at least once every six months to ensure there are no signs of degradation like leaks, holes, water damage, termite damage, or anything else that might compromise the functionality of the door’s fire resistance. Check your smoke detectors while you’re at it.