Lightning can cause massive damage, fires, and openings for other threats like bugs or fungal diseases. Barring any large fires or explosions, it’s difficult to tell how much damage a lightning strike has done until after a thorough inspection. Contact local authorities immediately if lightning strikes a tree in your yard and it causes a fire or explosion.

Fire sprinkler systems give your home’s value a boost. Potential home buyers are looking for a safe place to settle, and a well-maintained sprinkler system can provide peace of mind. Plus, some homeowners insurance policies offer discounted rates for homes with this type of built-in system, thanks to the decreased risk of fire.

Yes, it is generally safe to have a fire pit on a deck, but you must adhere to building codes and take several safety precautions. For both built-in and freestanding models, you must use a heat-resistant barrier, such as a fire pit pad or heat shield, between the pit and the deck. Additionally, consider the weight of the fire pit and ensure your deck can structurally support it, reinforcing it if necessary. The fire pit must also be positioned a safe distance from your house, particularly from materials like vinyl siding, to prevent heat damage.

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.