Practicing Fireplace Safety: Keep Your Home Insurance Low

At Bow Valley Insurance, our goal is to help keep your home insurance costs as competitive as possible, and one of the best ways to keep your premiums low is to remain claims-free. Although water damage has overtaken fire as the leading cause of home insurance claims in Alberta, it is still very important to be as careful as possible when using your stove or fireplace.

Calgary Home Insurance Brokers: Tips on Fireplace Safety

Smoke and Carbon Monoxide Detectors are pivotal for preventing injury and fire, and at Bow Valley Insurance we also urge you to keep a working fire extinguisher available at all times. To keep your family extra-safe, design a fire escape plan and review it regularly with each member and others residing in your home.

  • Always open the damper before lighting your fireplace
  • Only burn small amounts of dry, well-seasoned wood
  • Properly position your screen to keep embers contained
  • Store ashes outside your home, and only in a metal container
  • Never store newspapers or other combustibles near your fireplace
  • Never use starter fluids or other types of fuels in a fireplace
  • Have your chimney professionally cleaned and serviced annually to prevent tar and creosote buildup (if you use your fireplace daily, it should be cleaned more often)
  • Check your fireplace regularly for potential hazards such as excessive soot, rusty ventilation pipes, and water pooling near burners

Calgary Home Insurance Brokers: Safety Tips for Wood Burning Stoves

Lots of Alberta cabins still have wood burning stoves that help to keep warm and cozy on a cold winter night. A comfortable situation can quickly turn dangerous, though, if your stove is not properly installed and maintained. A little preparation and a well-designed area for your wood stove will reduce the likelihood of an accident.

  • Position your stove on a noncombustible surface (tile or brick works best)
  • Consult a professional regarding proper positioning and installation of stove pipes
  • Always ensure your stove has adequate ventilation (before lighting your fire, open the damper to allow for adequate airflow)
  • Only store small amounts of dry, seasoned wood near the stove and burn small amounts to keep your flames under control
  • Never use highly-flammable materials such as wrapping paper or fuels (these can quickly produce fireballs)
  • Never leave your home while a fire is still burning
  • To clean ashes out of your stove, use a metal scoop and place them into a metal bucket (embers and ashes can smoulder for up to three days)
  • If you don’t have the skills and proper equipment, have a professional clean out the tar and creosote that builds up in your stove pipes (this should be done at least once per year)

Home Insurance From the Brokers at Bow Valley Insurance

To keep your home insurance costs low, work with a personal insurance broker at Bow Valley Insurance to access several leading providers in the industry. We’ll find you the very best coverage at the most competitive rates for your home insurance.