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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.

One of the best ways to know your chimney is good to go on any given night is to simply look up into your flue with a flashlight. If you see a thick buildup of creosote—a shiny, dark substance that looks like tar—it’s best to have your fireplace professionally cleaned before you go ahead with the burn. Additionally, having your fireplace professionally inspected once per year can also help increase your peace of mind and keep your family and your home safe.

Yes, a hot or overheating outlet is a fire hazard and can cause a fire. An outlet becoming hot indicates an electrical problem, such as an overloaded circuit, loose connections, or a faulty component. The heat from these issues can ignite nearby flammable materials like curtains or furniture. If you notice an outlet is hot to the touch, turn off the power at the circuit breaker, unplug any connected devices, and consult a qualified electrician. If a fire does start, use a Class C fire extinguisher or baking soda to suppress it, or evacuate immediately and call the fire department.

The best way to store firewood is outdoors and away from your home, shed, or garage. Stacking wood against your house can be a fire hazard and attract unwanted pests. Store your firewood under a shelter where it's protected from rain and snow but still exposed to sunlight and open air. You can lay a tarp on top to help keep moisture out.