As the crisp air of fall settles in and pumpkin-scented candles begin to glow, it’s time for cozy nights, warm blankets—and a serious conversation about fire safety.
Fall marks the beginning of increased fire risks in the home. From space heaters to scented candles and dried leaves piled near your home, many seasonal habits can quickly become hazards if you’re not careful. Now is the perfect time to make sure your home and your homeowners insurance are ready.
Fall Fire Risks You Shouldn’t Ignore
🔥 Portable Heaters & Fireplaces
As temperatures dip, many families start using space heaters, fireplaces, or wood-burning stoves. While these provide comfort, they’re also among the top causes of residential fires. Always use heaters safely—keep them three feet away from flammable objects and never leave them unattended.
🕯 Candles & Decorations
Fall decorations often include candles, which can tip over or burn too close to flammable materials. Battery-operated flameless candles are a safer option.
🍂 Dry Leaves & Outdoor Hazards
Dry foliage around your home may look beautiful, but it’s a fire hazard—especially if you have outdoor fire pits, grills, or smokers. Clean up regularly and be mindful of wind conditions when burning anything.
Does Your Insurance Have You Covered?
Many homeowners assume they’re automatically protected, but policies vary. This fall, take a few minutes to review your Home Owners Insurance Albuquerque NM and look specifically at these points:
✅ Fire Damage Coverage
Check what’s included. Does your policy cover both structural damage and personal belongings? Is your coverage limit enough to rebuild?
✅ Replacement Cost vs. Actual Cash Value
Know the difference. Replacement cost coverage helps you replace items at today’s prices. Actual cash value subtracts depreciation.
✅ Loss of Use
If your home is uninhabitable after a fire, does your policy help pay for temporary housing or meals?
✅ Policy Storage
Don’t wait until an emergency to find out your policy is missing. Store a digital backup of your insurance documents and keep a physical copy in a fireproof box.
Final Thought: Fire Prevention Starts with Awareness
Preventing fire damage in the fall doesn’t take much—just a little seasonal maintenance and a solid insurance plan. If you’re unsure about your current policy or need a review, our team at ABQ Insurance can help. Let’s make sure you and your loved ones are protected, no matter the weather. 505-217-2100
