During cold winter months, many people use space heaters in order to provide additional warmth. These can be especially useful in houses that don’t have central heating or for people working in unheated areas such as garages and tool sheds. However, space heaters are also a major cause of household fires and can cause an increase to your homeowners insurance premium.
According to the National Fire Protection Association, 85 percent of all fire deaths occur at home, making fire safety a key component that insurance companies look at when calculating a home insurance quote. People who have central heating in cold climates are less likely to need to use items like space heaters that can be a major fire risk. Insurance companies reward people who are lower risks for accidents with lower premium rates when they get a free home insurance quote.
If you are using a space heater, it’s important to be safe when using it. Make sure that the electrical cord isn’t tangled too near the heater when using and keep all flammable materials at least three feet away from the heater.