homeowners insurance
Emergency,  Home Safety

The 5 things in a home that cause house fires

When it comes to your home, “peace of mind” isn’t just a catchy phrase—it’s a priority. As a Oregon homeowner, you work hard to create a safe sanctuary for your family, but even the most well-kept houses have hidden risks. According to the National Fire Protection Association (NFPA), hundreds of thousands of home structure fires occur each year, many of which are preventable.
To help you stay proactive, we’ve rounded up the top five most common causes of house fires and, more importantly, how you can prevent them.

1. Cooking Equipment

It’s no surprise that the kitchen is the most dangerous room in the house. Cooking is the leading cause of home fires and injuries. Whether it’s a grease fire on the stovetop or a toaster that malfunctions, heat and food can be a volatile mix.
  • Safety Tip: Never leave the kitchen while frying, grilling, or broiling. If you must leave the room, turn off the burner. Keep flammable items, such as oven mitts and wooden utensils, at least 3 feet away from the stove.

2. Heating Equipment

As temperatures drop, the risk of fire increases. Space heaters, baseboard Oregon heaters, and fireplaces are the second leading cause of residential fires. Often, these fires start because the heater is too close to flammable objects like curtains, bedding, or furniture.
  • Safety Tip: Give your heaters space. Maintain a “three-foot kid and pet-free zone” around open fires and space heaters. Always turn portable heaters off when you leave the room or go to sleep.

3. Electrical Systems and Appliances

Faulty wiring and overloaded outlets are silent threats. From frayed cords to “daisy-chaining” extension cords, electrical malfunctions account for some of the most expensive property damage in homeowners’ claims.
  • Safety Tip: If you notice flickering lights, warm outlets, or a persistent burning smell, call a licensed electrician immediately. Avoid using extension cords as permanent wiring solutions.

4. Smoking Materials

While smoking-related fires occur less frequently than cooking fires, they are often more lethal. These blazes frequently start in bedrooms or living rooms when a smoker falls asleep or fails to properly extinguish a cigarette.
  • Safety Tip: If you smoke, do it outside. Use deep, sturdy ashtrays and never smoke in bed or when you are feeling drowsy.

5. Candles

They create a lovely ambiance, but candles are open flames that are easily forgotten. A significant portion of Oregon candle fires start in the bedroom when they are left burning unattended near bedding or drapes.
  • Safety Tip: Switch to battery-operated flameless candles for the same glow without the risk. If you use real candles, blow them out every time you leave the room.

Is Your Home Fully Protected?

Even with the best prevention, accidents can happen. That’s why having the right homeowners insurance is your final line of defense. At the Howard Steele Agency, we specialize in helping Bend and Central Oregon residents find coverage that actually fits their lives.
Whether you need to review your current policy or you’re looking for a new quote to ensure your property and belongings are fully covered against fire damage, we are here to help.
Don’t wait for a spark to think about your coverage. Contact the Howard Steele Agency today at (541) 318-8835 or visit us in Bend to get a comprehensive quote. Let’s make sure your home is protected for whatever comes next.

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