Smoke and Carbon Monoxide Detectors: Home Insurance in Calgary

The brokers at Bow Valley Insurance are experienced in finding the exact right coverage to fit your needs as a homeowner. Calgarians have relied on our brokers to protect their most important investment for 35 years. We do the comparisons for you to show you what’s available, and work with you to completely customize your insurance needs.

Calgary home insurance is essential, but it is also up to you to perform regular maintenance and upkeep in order to reduce your chances of having to make a claim, and to keep your family safe from harm. Always ensure your carbon monoxide and smoke detectors are operating properly.

Carbon Monoxide and Smoke Detector Statistics

Carbon monoxide is a colourless, odorless gas that is virtually undetectable. Carbon monoxide is deadly, and can leak from the following sources without you even being aware of it:

  • Dryers
  • Fireplaces
  • Furnaces
  • Refrigerators
  • Stoves
  • Water and space heaters

Symptoms of carbon monoxide poisoning include dizziness, headaches and nausea.

Last year, the Calgary Fire Department went out into the community to remind Calgarians of the importance of both carbon monoxide and smoke detectors. In 2013, the fire department responded to more than 1,800 house fires, in which 22 persons were injured and 5 were killed. Believe it or not, a house fire can double in size every 30 seconds!

According to the Fire Marshall’s Public Fire Safety Council, fewer people die in house fires if a smoke detector is installed and works properly:

  • With a properly working smoke detector, there are 12 deaths per 1,000 home fires
  • Without a properly working smoke detector, 17 deaths occur per 1,000 home fires

Two Types of Smoke Detectors For Your Home

There are two kinds of smoke detectors that utilize two different types of technology. Both detect tiny particles generated by combustion that quickly enter the air inside your home during a fire.

  • Ionization: According to some studies, ionization detectors are best at identifying smaller particles, the products of combustion caused by a fast-flaming fire
  • Photo-electric: Other research has shown photo-electric detectors are best at detecting larger particles, the products of combustion caused in a slow, smouldering fire

Installing both types of detectors throughout your home is your best chance of catching a fire before it gets serious.

Types of Carbon Monoxide Detectors

  • Biomimetic: contain gel-coated discs that darken in the presence the gas, sounding an alarm (typically battery-operated)
  • Electrochemical: use an electro-chemical reaction with carbon dioxide to create an electrical current to set off an alarm (plug-in or battery-operated)
  • Metal-oxide-semi-conductor (MOS): – MOS detectors utilize heated tin oxide which reacts with carbon dioxide (connected to the power supply in your home)

Consider purchasing a carbon monoxide detector with a memory chip so you can review carbon dioxide levels in your home with the press of a button.

Plug-in and battery-operated detectors are simple to install. MOS type detectors tie into your power supply and usually require a professional.

Be sure your smoke and carbon monoxide detectors are installed according to the manufacturer’s specifications, test them often, and replace the batteries at least once a year…preferably every six months.

Home Insurance: Bow Valley Insurance

Homeowners have relied on Bow Valley for home insurance for 35 years. We have several home insurance packages from different providers to choose from, and our Home Evaluation form can help you understand initially what may be best for your situation. In the meantime, our home insurance savings tips can get you started making your insurance more affordable. Request a home insurance quote today!