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Maintain smoke alarms, ensure safe electrical and cooking practices, and regularly clean chimneys to minimize fire or smoke hazards.

Poorly designed and incorrectly installed outlets can create an electrical fire hazard, as do some phone chargers and adapters that plug into these outlets. However, most outlets are perfectly safe as long as they remain in working condition. Keep an eye on what you are plugging into the outlet and stay alert for signs of outlet malfunction, like sparks, burning smell, or frequent circuit tripping.

Smoke detectors come in two different options: hardwired or battery-operated. While hardwired units are attached directly to the home’s electrical system, a battery-operated smoke detector only needs a simple battery for operation and can be placed virtually anywhere in your home. Some homeowners may mistakenly think their battery-operated units are hardwired in because all their units are interconnected, but many battery-operated units can operate within a smoke alarm network in your home.

Wood-burning fireplaces typically make homeowners insurance more expensive, simply because they increase the risk for a fire in your home. Gas and electric inserts are less likely to bring up your insurance rates, but you should always speak with your agent to understand how installing any type of fireplace will affect your premiums.