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While your municipality may have its own regulations requiring pergolas or other structures to be a certain height above a fire pit, the standard recommendation is that the pergola should be at least 10 feet above the fire pit. A taller pergola allows the heat from the flames to dissipate before reaching the structure.

Wiring a light switch wrong can cause a fire if the incorrect wiring causes arcing, meaning the current jumps uncontrolled from one conductor to another. Loose wires or worn wires that are not repaired or replaced can cause arcing. If you’re not 100% sure you can do the job safely, don’t attempt to wire a light switch on your own.

While adding fire sprinklers to your home, you may want to consider other fire prevention and protective measures. Get your smoke alarms and CO alarms inspected and replaced, if needed. Add fire doors to vulnerable areas of your home. Inspect or purchase fire extinguishers. For exterior protection, consider fire-smart landscaping practices .

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.