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You should only use water to put out a fire in your fireplace in an emergency situation. Even then, it is better to use a fire extinguisher to put out a fire quickly. Make sure every room in your house that has a fireplace also has a fire extinguisher—and that everyone in your household knows how to use one.

There are several strategic ways to lower your home insurance premium. The primary one is to shop around and get quotes every few years to make sure you’re getting the best deal. Also, sometimes bundling your auto and homeowner’s insurance will get you a discount on both. Finally, try to keep your credit score up; many homeowner insurance companies use credit scores to generate quotes.

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 .

Some Christmas lights are marked as being “UL Safety Certified” or Underwriters Laboratories Safety Certified. This lab is a trusted source for determining the safety standards of electrical products—you should make sure your Christmas lights have this label. Brush up on other electrical safety tips before installing any lighting features.