Fahs Insurance Blog

Fire Safety Planning to Keep Your Family Safe

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House fires are a serious issue that could harm your family if you are not prepared. We have fire safety drills at school and work, but we don’t always think about making a plan for a home fire. If you follows these tips and take the time to plan for a fire, you and your family will be more prepared to safely get out before the fire gets out of control.

The first step in fire safety is to eliminate any potential fire hazards from your home. You should check your smoke detectors to be sure they are working, make sure electronics do not have damaged cords and make sure not to overload outlets or extension cords. Electric devices can be one of the main causes for starting a home fire, so by checking them regularly you can reduce that risk.

Next, you should teach your kids about the dangers of fires and what to do if one happens. First make sure they know not to play with matches or lighters, and then keep those items out of reach. In the event of a house fire, you will want your children to know how to respond quickly. Children should be taught to cover their nose and mouth and get low to the ground and to exit the home immediately if the alarm goes off. If you teach them ahead of time, they will have a much better chance at escaping a house fire unharmed.

The most important step in fire safety is to create a family escape plan. You should make a diagram of your house with all of the windows and doors marked, so that two escape routes can be listed for each room. This will prepare your family to escape from any room in the house. You should practice the escape routes as a family twice a year to remain alert. A designated meeting location that is a safe distance from the house should also be discussed so you can accurately account for everyone during a fire emergency. Make practice drills fun for the kids by creating a game using a stopwatch to see how fast each family member can escape. A family who regularly practices their plan, in most cases will be able to get to safety before the fire engulfs the house.

If you feel overwhelmed on where to start, use the Internet to download available templates and worksheets from your local fire department to help you create your escape plan.

Renters Insurance

The first thing most people think of when it comes to insurance is car and homeowners insurance, but not many people think of Renters insurance when they decide to rent a property. Landlords are only legally responsible for the building, so your personal property is at a real risk of theft, damage and burglary without proper coverage. According to the Insurance Information Institute, one third of households in the U.S. are rentals, but only 37% of them hold renters insurance. While renters insurance is often not required to rent a property, renters insurance is essential to protect you and your personal property from theft, vandalism, and other disasters.

What Renters insurance covers:
• Personal property
• Personal liability
• Medical payments
• Property damage to others
• Additional living expenses

What to look for:
• Dollar amount of coverage
• Deductible
• Actual cash value vs. Replacement cost
• Property Location and previous claims

Renters insurance is a policy that covers your personal property from damage, destruction and theft. Some of the unforeseen disasters renters insurance protects are lightning, windstorm, water damage, smoke, theft, vandalism, and other common damages. You are also protected from theft outside of your home, such as when traveling. In the event of major property damage, renters insurance can help cover the expenses of a temporary place to stay until your home is inhabitable.

If you have unusually expensive items or collections like jewelry or rare coins, you may want to add “riders” to ensure their coverage on top of the existing policy. “Riders” are additions to the policy that can provide added protection beyond what the policy will reimburse. Basically you can receive more accurate compensation for valuable items in the event of damage or theft.

With any Renters insurance policy, you can choose the actual cash value or replacement cost for items under the policy. Actual cash value will reimburse you for what the item is estimated to cost at the time of loss, but not what you originally paid for it. If you had the replacement cost coverage, you will be reimbursed for the cost of purchasing a replacement instead. Replacement cost could provide a higher reimbursement than actual cash value, so we encourage you look at both when deciding on a Renters insurance policy.

Fahs Insurance is happy to help you find the best deal and discount for renters insurance to help protect your property. Together we can keep you and your belongings safe and help you prepare for anything.