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Most homeowners put a layer of compact sand or gravel at the bottom of their firepit, but you can also choose more decorative options like fire-resistant paving stones, bricks, or fire pit glass. Dirt by itself can even work, but other materials do a better job of spreading the heat around.

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.

When a carbon monoxide alarm goes off, you should always take it seriously. Infrequent and occasional chirps often point to a low battery, a faulty device, or dust buildup (this usually affects smoke detectors and not standalone CO detectors). A continuous alarm signals an emergency, and you should immediately evacuate and call 911. When it comes to carbon monoxide in your home, it’s better safe than sorry.

Yes, a water leak poses a major fire risk at your home because water is a conductor of electricity. Water that comes into contact with sparks or electrical wires can instantly ignite flammable materials. Additionally, any type of exposure to water can cause wires and other electrical components within your home to corrode. When assessing categories of water damage, it's important to know that even a small amount of moisture near wiring could cause sparks that lead to a fire.