When you rent a home, the property doesn’t belong to you. Still, all the household threats that come with occupancy still beckon. There’s always a chance that a damaging event, like a house fire, could destroy the home and your personal assets. You don’t want to face the prospect. So, what can you do to prevent fires as renter?
You can be the first line of defense when it comes to fire safety in your home. Consider the ways to make your residence more secure from fire risks.
Fire Prevention in Rental Homes
A fire in your home might occur from improper wiring or a faulted HVAC system. Or, it might occur from a misplaced candle or unguarded fireplace burn. In some cases, you can’t prevent fires, but in others, you can. Do your diligence to keep your personal responsibility for fires low.
- Immediately tell your landlord if you suspect any fire hazards on the premises. These might arise from faulty wiring or appliances. Fireplaces or furnaces might also create risks. Call the landlord if you notice odors, heat, periodic smoke or flickering lights. Because they own the property, they’ll likely repair the threat at no cost.
- Ask the property owner to show you the right ways to use any systems that pose fire risks. For example, if you are unfamiliar with the gas stove, they can likely show you how to operate it.
- Make sure the home’s fire alarms and carbon monoxide detectors work at all times. Change batteries and test the systems regularly. Keep fire extinguishers in the home for quick use.
- Do your part in practicing fire safety. Monitor cooking surfaces. Don’t burn candles or other flames without control. Keep flammable items away from burn hazards. If you notice any risks, immediately isolate them.
Protecting Yourself with Renters Insurance
Even if you practice fire safety, you can’t eliminate fire risks. If the worst happens, your renters insurance can often step in to help you.
Most policies will contain two elements of coverage: liability coverage and possessions protection.
- Liability insurance will pay for the damage you cause others in an accident. For example, if you drop a candle and scorch the carpet, this coverage can help you pay the owner for repairs.
- Possessions insurance covers your personal belongings. For example, if a fire damages your furniture or clothing, you can get help replacing these items.
Talk to your landlord about whether you need this coverage. Most will require you to carry it. Still, regardless of requirements, consider protection essential to your security in your rental.
Also Read: Increasing Your Renters Liability Insurance