Space heaters are a common cause of residential fires, accounting for one-third of fires, nine out of ten deaths, and four out of five injuries caused by home heating equipment. As such, insurance companies treat them with caution, and homeowners insurance typically covers damage caused by space heater fires, but the specifics of coverage can vary depending on the insurance company and the policy.
Understanding Space Heater Risks and Insurance Coverage
Using a space heater can increase homeowners insurance rates, as the risk of a fire posed by the heating system can affect premiums. Central heating systems, such as those powered by electricity or natural gas, generally do not have a significant impact on insurance costs. However, oil-based furnaces and wood stoves may cause rates to rise due to the increased risk of a home fire.
Insurance companies may offer discounts for fire safety measures, such as having a sprinkler system, fire alarms, fire extinguishers, and fire-resistant materials installed in the home. These measures can help reduce the risk of a fire and potentially lower insurance premiums.
Space Heater Safety Guidelines
When using a space heater, it is essential to follow safety guidelines to minimize the risk of a fire. Common mistakes that can lead to a fire include:
- Using an extension cord: Space heaters should be plugged directly into a wall outlet and never use an extension cord or power strip.
- Using an old or malfunctioning heater: Regularly inspect and clean your space heater to ensure it is in good working condition.
- Running the cord under a rug or carpet: Space heaters should be placed on a flat, non-flammable surface during use.
- Leaving pets or children in the room unattended: Never leave a space heater unattended or running overnight.
- Placing the heater on furniture or in close proximity to fabrics: Space heaters should be kept at least 3 feet away from anything that can burn, including papers, clothing, and rugs.
- Exposing the device to moisture: Fuel-fired space heaters should be inspected annually by a qualified person to ensure proper adjustment and cleanliness.
Notifying Your Insurance Company
It is recommended to notify your insurance company when installing a heater or wood burner and ensure that the equipment adheres to all safety standards, has an Underwriters Laboratories (UL) or Intertek label, and undergoes regular checks and inspections. The National Fire Protection Association indicates that space heaters should only be placed on the floor, plugged into a wall outlet, and never left unattended.
DIY Tips for Space Heater Safety
- Regularly Inspect and Clean Your Space Heater: Ensure that the heater is in good working condition by inspecting it regularly and cleaning it according to the manufacturer’s instructions.
- Keep Flammable Materials Away: Maintain a safe distance of at least 3 feet between the space heater and any flammable materials, such as papers, clothing, and rugs.
- Never Leave a Space Heater Unattended: Always turn off the space heater and unplug it when leaving the room or area, and never leave it running overnight.
- Install Fire Safety Measures: Consider installing fire safety measures, such as sprinklers, fire alarms, and fire extinguishers, to help reduce the risk of a fire and potentially lower insurance premiums.
Conclusion
In summary, homeowners insurance typically covers damage caused by space heater fires, but the specifics of coverage can vary. Using a space heater can increase homeowners insurance rates, but safety measures and discounts may be available to help reduce the risk of a fire and potentially lower premiums. Following safety guidelines when using a space heater is crucial to minimize the risk of a fire and ensure that your home and family are protected.