Category Archives: Home Safety

Wood Stove Safety

Wood Stove Safety

When it gets cold outside there is not a whole lot better than the warm toasty interior of a wood-stove heated house. Wood stoves are common alternatives to a traditional central heating system, especially here in New England. These stoves are known as alternative heating systems.

Alternative heating systems provide more than warm, cozy feelings, they provide savings on your gas bill. Heating your home with a wood stove saves you the price of using gas and electricity. In the event of a power outage, you can stay warm by popping a couple of logs in the furnace and staying warm.

Wood stoves come in all shapes and sizes. You can purchase a stove that fits snuggly in the fireplace, or a freestanding stove that sits out in the open for easy access.

Having a wood stove can give you great power over your finances, but with great power comes great responsibility. If you are wondering about the risks involved with heating your home via wood stove, look no further than your homeowner’s insurance company. Some companies have extra paperwork to fill out if you own a wood stove. Some are not interested in insuring your house if you have this form of alternate heating. However, at North East Metro West Insurance Agency we work with multiple carriers to get you the coverage you need should you decide to install a wood stove.

Insurance companies are not picky just to be irritating. They spend a lot of money researching statistics to minimize their risks.

How do you keep your wood stove safe?

-Keep all children and pets away when you have a roaring fire heating your home. The stove and pipes are all extremely hot. You must keep a debris-free zone around your stove to prevent fires.

-Do not operate a wood stove without working fire and carbon monoxide alarms. You should already have these alarms in place, but having an active fire inside of your home raises the risks associated with fire and carbon monoxide.

-Do not connect your wood stove to a chimney which is connected to another appliance. The fuels could mix with the fire from your stove and combust.

-Maintain routine maintenance on the stove once a year. Have a professional inspect your stove for decay. One crack can cause a serious threat.

-Do not put anything other than dry wood in a wood stove. If you do not adhere to this rule your stove can emit toxic fumes or even explode.

Disclose your wood-burning stove to your insurance company up front. This will ensure your house is properly insured against the risks associated with a wood-burning stove. If you are considering or have recently had a wood stove installed, reach out to your agent. Take proper care of your stove to prevent any mishaps that lead to a dangerous situation involving your stove.

If you have any questions regarding your policy and wood stoves please reach out to us!

Stay warm and stay safe,

The North East Metro-West Insurance Team

Fall Home Maintenance Tips to Revamp Your Home

Fall Home Maintenance Tips to Revamp Your Home

With pumpkin carving, apple picking, and hot cocoa, fall is a wonderful time of year with plenty of seasonal traditions. However, one tradition is often overlooked: home maintenance. There are plenty of tasks you can do to prepare for winter

Add these tips to your yearly routine to keep your home clean, safe and ready for the changing seasons.

– Update your heating system. Replace the filter in your furnace and clean your ducts to increase efficiency, reduce household dust and lower your heating bill. Call in a trusted professional to check your heating system before minor problems turn into costly major repairs.

– Check your attic ventilation. Make sure the vents in the eaves are clear of insulation. When they are covered, you are more susceptible to ice dams on your roof. Also, inspect bird and rodent screens to prevent unwanted guests and verify all your vents are free of plants and debris.

– Revamp your landscaping. Grassroots grow deeper in the fall to prepare for winter, making it the perfect time to fertilize and reseed your lawn. Trim fragile tree branches, and inspect any branches hanging over power lines. If you suspect a branch may fall onto the powerlines, now is the time to alert the power company. Prune trees and shrubs to encourage healthy growth.

– Clean out gutters and downspouts. Neglected gutters can lead to wood rot problems, pest infestations and pooled water, which can damage foundations, driveways, and walkways. Secure any support brackets that are not keeping the water in the downspout.

– Make sure windows and doors are appropriate for the drop in temperature. Change summer screens to cool weather storm windows and doors. Repair any loose or damaged window or door frames. Consider installing weather stripping or caulking to prevent drafts and lower heating bills.

– Properly insulate piping to ensure pipes do not freeze and burst. Know how to locate and turn off the water shut-off valve in the event pipes do freeze.

Even the best preparation does not prevent all problems. Northeast Insurance home insurance is the surefire way to protect yourself from any accidents to your home this fall and winter. From damage to your dwelling and loss of use during repairs to personal property protection, our comprehensive homeowner’s insurance lets you rest in peace knowing you and your home are safe. For all the regular updates on how we can best help you, follow us on Facebook today!

home security tips

Top Home Security Tips

Securing your home is the most critical resource in your life: shelter. If you’ve got kids, they sleep there. Your valuables are there. For many, the tools of your trade that allow you to earn your daily bread are within those four walls or on the property.

Having a home of your own comes with the responsibility to secure it against theft and home invasion, and making sure you and yours stay safe and this can be easily accomplished with some planning and a few changes in how you maintain your property and your daily routine. Let’s discuss some easy home security tips that will help you protect what’s yours and keep your family safe. Continue reading Top Home Security Tips

winter preparation

Winter Preparation: How to Prepare your Home for Winter

Preparation is the key to having a wonderful winter and lessening your chances of expensive damage to your home. Preparing  for the upcoming months may seem troubling. If you feel overwhelmed at the thought of preparing your home for winter, here are a few tips on how and what to look for, to simplify the winterization process.  Continue reading Winter Preparation: How to Prepare your Home for Winter

fall home maintenance checklist

Fall Home Maintenance Checklist

Fall is such a wonderful time of the  year. A welcome reprieve from the heat of summer, fall is a good time to prepare for the cold winter ahead. A fall home maintenance checklist is essential if you want to be prepared for winter and avoid costly and unexpected accidents or breakdowns in your home. What’s on your checklist? There are the obvious things like making sure your furnace runs or insulating outdoor spigots, but what about less obvious things like your humidifier or gutters? Check out this handy fall home maintenance checklist to keep your home in order:

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fireplace safety

Top Fireplace Safety Tips

There are so many things to enjoy as the weather gets cooler and the leaves start falling. One of those simple pleasures is using your fireplace on a cold night. Something you might not think about, however, is fireplace safety. Any other time of the year, it might blend into the walls in your house, so it’s easy to forget. The truth is, misuse and neglect can lead to dangerous consequences. So before you get cozy, make sure to follow our tips for being safe this fall and winter.

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7 Pool Safety Tips for a Fun Filled Summer

Summer is the perfect time to spend time with family and friends and to enjoy your pool. Create beautiful memories but, most importantly, keep safety in mind. Follow these seven tips to ensure everyone has a safe and happy pool season.

Continue reading 7 Pool Safety Tips for a Fun Filled Summer

spring safety tips

Spring Safety Tips

The weather is getting warmer,  trees and plants are beginning to bud and bloom, and soon enough spring will have sprung once again. Along with better weather and beauty, spring also brings with it potential safety hazards in and around your home. It’s a good idea to observe the following safety tips and prepare your home and property accordingly for the additional risks of springtime.

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Space Heater Safety: 7 Tips To Keep Your Home Safe

During colder months utility bills can be tough to handle, so many people have started turning to space heaters to cut down on energy costs. Space heaters save money by, allowing people to only heat the room or space they occupy rather than having a central heating system that expends energy to fill an entire structure.

Other reasons for using space heaters are for areas that aren’t served well by other heating systems, temporary heating when it will only be necessary for a short time, or targeted use for an individual that isn’t comfortable, while others in the room are.

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Safety Tips: Have a Happy and Safe Summer

For many of us, the 4th of July is an opportunity to celebrate our country’s independence in the company of our closest friends and family. And usually, these celebrations are not lackluster affairs!

Still, it only takes one careless move to turn a wild celebration into a dangerous situation. This Independence Day, keep our tips for your safety in mind.

Continue reading Safety Tips: Have a Happy and Safe Summer