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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.

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.

You should change the batteries in your smoke detectors at least once per year. Mark it on your calendar or make it a holiday or birthday tradition so that you always remember it. You should also be testing your smoke alarms monthly to ensure they’re working properly and can alert you in case of an emergency.

Once your ashes have fully cooled, you can place them in a heavy-duty trash bag and put them into the bin with your normal trash. If you have wood ash, you can add the ash to your composting pile or sprinkle it over your grass or plants directly for added nutrients.