Home insurance is a necessity if you’re a homeowner, protecting your assets in case of serious issues including fires. While house fires are becoming less common thanks to better regulations, they still do a lot of damage every year.

Homes can quickly be destroyed by flames if there aren’t proper safety measures in place. As a result, most insurance providers will offer discounts if you show that you’re taking fire safety seriously. In this article, we’ll share some of the most important measures you should have in your home to reduce your insurance quotes and keep your family and home safer.

Fire Alarms

Fire alarms are a crucial part of any home and are normally required by law. While the exact regulations will depend on where you live, most home insurance providers will check you have an alarm installed before insuring you. If you don’t have a smoke alarm, they may refuse to insure you at all, and your quotes will generally be a lot lower if you have one fitted.

House fire alarms can be attached to sounder beacons, which emit a loud audible sound when triggered, as well as flashing a light. This ensures everyone in the house can hear or see the alarm, even if they’re asleep. A proper alarm will be loud enough to warn everyone to evacuate the building or to put out the fire if they’re early enough.

Generally speaking, fire alarms are triggered when they detect smoke, but some systems are designed to detect heat too. While this might result in some false alarms whilst you’re cooking, having a sensitive alarm is far better than having one which doesn’t trigger when it’s needed. You should test your alarms regularly and replace the batteries when needed.

Read also: How Smart Home Devices Can Reduce Your Insurance Rates

Fire Doors

Fire doors are constructed of solid timber and designed to withstand direct heat from a fire. They’re also designed to be closed at all times, with a mechanism that means they automatically close after anyone enters or leaves the room. This ensures that a fire is contained in a single room for as long as possible, slowing down the spread of the fire.

If a fire is allowed to spread, it will quickly consume an entire building. However, the use of fire doors has been shown to slow the spread significantly, giving residents more time to evacuate safely. This also means that property damage is less likely, so home insurance quotes will often be cheaper if you have fire doors installed. If you do use them, make sure you aren’t propping them open, otherwise they won’t be effective.

Fire Extinguishers

When a fire is detected, it’s important to evacuate as quickly as possible. However, if the fire is small enough, you can attempt to control it if you have the right tools. Fire extinguishers are designed to put out fires as safely as possible, with different types for different kinds of fires. Having one in your home, especially in the kitchen, may result in lower home insurance premiums.

Before purchasing an extinguisher, make sure it’s suitable. Using a water extinguisher to put out oil or electrical fires can be dangerous. You should also take time to learn how to use it safely and be aware that even in the event of a fire, it may be safer to evacuate.

Sprinkler Systems

While fire extinguishers require a human operator, sprinkler systems are designed to trigger automatically when a fire is detected. When a fire alarm goes off, the sprinkler system can be programmed to activate, releasing water from the ceiling that will stop any fire in its tracks. Although this is a useful tool, it can cause a lot of damage to your property, especially in the event of a false alarm.

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