In the realm of homeownership, ensuring the safety of one’s abode is paramount. The threat of fire poses a significant risk, making it imperative for homeowners to fortify their dwellings with advanced systems and innovative measures. As the flames of unpredictability flicker, understanding the role of home insurance and home fire insurance and utilising tools like the home insurance calculator become crucial in safeguarding what matters most.
Every day, 51 lives are lost to fire-related incidents in India, as per the National Crime Records Bureau (NCRB). Alarming data reveals that residential apartments pose a higher fire risk than corporate or industrial buildings, primarily due to irregular construction and non-compliance with safety regulations. Disregarding fire safety is a perilous choice. Fortunately, advanced technology now offers efficient ways to prevent and combat fires. Secure your home by following these simple tips to make it fire-proof and safeguard against this risk.
- Set Up An Alarm For A Smoke Detector
Investing in a smoke detector alarm is the most affordable and straightforward way to protect your home from fire. When it detects more smoke than is safe, it starts to make a “siren-like” sound.
- Install Extinguishers For Fires In Your House
Installing a fire extinguisher at your home is crucial to put out small fires quickly and with minimal damage.
- Class A: Fires from solids like rubber and cloth can be extinguished with foam extinguishers, dry chemical extinguishers, and air-pressurized water (APW) extinguishers.
- Class B: Fires involving liquids like paint and oil can be tackled with foam extinguishers and dry chemical extinguishers.
- Class C: Electrical fires caused by short circuits are best addressed with dry chemical extinguishers.
- Do Routinely Inspect Electrical Wires
Wire faults and short circuits are major contributors to destructive fires, especially when wiring is cluttered or outdated. Periodically inspect your home’s wiring and replace worn-out wires with fire-resistant models. Choose between DIY inspections or hiring an electrical engineer.
- Place Combustible Items In Their Proper Storage
It is advisable to store combustible items such as kerosene oil, matchboxes, shaving creams, perfumes, hair spray and pesticides in cool, dark places within your home. Make sure your pets and young children cannot reach these storage units.
- Avoid Electrical Appliance Overheating
Air conditioners, inverters, geysers, televisions, hair dryers, and other electrical appliances are more prone to overheating. Thus, exercise additional caution when utilising these gadgets. Remember to switch them off after using them.
By incorporating advanced systems and innovative measures, residences can transform into fortified sanctuaries that withstand the unpredictable nature of fire hazards. Furthermore, recognising the pivotal role of home insurance, including specific coverage for fire-related incidents, becomes a linchpin in the overall safety strategy. Ensuring your home’s wiring is up-to-date and fire-resistant is a proactive measure that enhances your eligibility for comprehensive home insurance coverage. Claims are subject to terms and conditions set forth under the home insurance policy. *
Integrating tools such as the home insurance calculator empowers homeowners to make informed decisions, ensuring comprehensive home fire insurance coverage that secures their investment and peace of mind.
*Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.