When we think of disasters, we picture the forces of nature: earthquakes, hurricanes, floods, and other weather-related calamities that threaten our homes. Home fires don't fall into this category because they seem preventable. And yet, home fires are one of the most common disasters in the country.
The best way to protect your home from a fire is to understand why and how home fires happen, and to insure your home against fire damage. It's important to educate yourself about fire prevention, including electrical, kitchen, smoking hazards, among others, as well as how to clean your home to reduce fire risk.
However, even the most cautious home owners can experience a house fire. In this case, you need an escape plan the entire family understands and good insurance. Not all home insurance policies come with fire coverage. To make sure your home is protected, carefully review your policy to make sure fire damage is included.
To learn more about fire safety, prevention, and insurance, The Simple Dollar’s fire insurance resource offers a quick, but thorough, read about how to protect your home from a fire, both before and after the fact.