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If a light switch is off, it’s very unlikely to cause a fire. For a fire to start, the switch has to be on, activating an electrical current, and the wiring must be faulty. However, the malfunctioning light switch could cause an intermittent current to move across the electrical wire. This issue could become a fire hazard with another device connected to the wire. You should replace the bad light switch as soon as you notice it or call an electrician.

Whether or not your attic ladder needs to be fire-rated depends on your local building codes, so it’s best to check with your municipal office. However, if your ceiling meets a fire requirement, your attic ladder should as well. There are benefits of opting for a fire-rated ladder. For one, thanks to their fire-resistant material, they'll help protect your home from fire spreading from your attic, if one should break out.

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.

Pellet stoves are safer than wood stoves in many ways. They don’t produce as many creosote deposits as wood stoves do, they create less smoke, and the flames are contained, decreasing the risk of any sparks or embers creating a house fire. Pellet stoves also burn more cleanly and efficiently than wood stoves do.