Life Advice
About....
Keeping Your Home Safe

This Life Advice® pamphlet about Keeping Your Home Safe was produced by the MetLife Consumer Education Center with assistance from the Federal Bureau of Investigation (FBI), the National Burglar & Fire Alarm Association and the National Fire Protection Association.

Preventing Fires
Fireplace Safety
If Fire Breaks Out
Fire Safety Checklist
Preventing Theft
Sounding an Alarm
Crime-Stoppers' Checklist
Insuring Against Loss
In Case of Emergency
Safe and Sound
Home Safety Checklist
For More Information

Your home. It's much more than a physical structure. It's the place where memories are made, where dreams are shared, where lives are lived. And many of your home's contents-the video of your baby's first steps, grandmother's brooch or old family photos, for instance-simply cannot be replaced. That's why it makes good sense to do everything you can to protect your home from fire and theft.

Preventing Fires

According to the National Fire Protection Association, home fires cause more than $5 billion in property damage each year, and more than 3,000 deaths. That's the bad news. The good news is that most fires are preventable. First, let's look at the top causes of home fires.

• Cooking fires. Cooking fires pose a serious hazard. Always stay near the stove when cooking. Avoid wearing loose sleeves while cooking; they can be ignited by a burner or a grease splatter. You'll also want to keep curtains and other flammable materials well away from the range or oven. And never put water on a grease fire, which can cause the hot grease to splatter, burning you or spreading the fire. Instead, smother it with a lid or another pan, then turn off the burner. Leave the lid in place until it has cooled off completely.
• Portable and space-heating equipment. Wood-burning, kerosene, propane and electric heaters can ignite draperies, clothing and other flammable items. Keep anything that can burn at least 3 feet away from all heating equipment. Shut off a heater before you leave the room or go to bed. When you purchase a heater, make sure it's been tested and approved by a reputable organization such as Underwriters Laboratories (UL) or the American Gas Association (AGA). This information is usually located on the warranty.
• Careless smoking. Cigarettes are the leading cause of fire deaths. Never smoke in bed or in a place where you may fall asleep. Also, use deep ashtrays so a lit cigarette won't roll out and fall onto rugs or furniture. It's also a good idea to run water over an ashtray before emptying it into the trash. A smoldering cigarette butt could set the trash on fire.
• Electrical wiring. You can't see wires hidden inside walls and ceilings, but there are some warning signs of electrical problems. If lights dim or flicker, fuses blow frequently or sparks shoot from receptacles when items are plugged in or unplugged, consult an electrician. Faulty electrical cords can also spark a fire or cause an electrical shock. Never run cords under rugs or heavy furniture. Pressure can crack insulation and break the wires. Don't overload outlets.
• Children with matches. Children playing with matches or lighters are the leading cause of fire deaths for children 5 and under. Keep these items up high, preferably in a locked cabinet, out of the sight and reach of small children. Teach older ones how to handle matches responsibly.
• Holiday hazards. Decorations and candles are a special concern during the holidays. If you buy a live Christmas tree, choose a fresh one and water it daily. With an artificial tree, make sure it's made of flame-retardant materials. Keep candles well away from anything that can burn and blow them out when you leave the room or go to bed. Fireworks also deserve special mention. They are illegal in many states and endanger life, limb and property. Avoid amateurs who set off fireworks. Instead, attend public displays conducted by trained pyrotechnicians. Even sparklers are hazardous; they burn at 1200° F.

There are some other simple, common sense precautions you can take to decrease your chances of a home fire:

• Never store or use gasoline in the home. Gasoline is a motor fuel only. Keep small quantities in an approved container designed to store gasoline, and store outside, preferably in a locked, detached shed. Wipe up spills immediately and never refuel motors near heat sources, sparks or cigarettes.
• Don't overload electrical receptacles.
• Don't use light bulbs with greater wattages than a fixture can handle.
• Don't let combustible materials such as newspapers and rags pile up in basements and garages.
• Leave plenty of air space around appliances and television sets; they can overheat and catch fire.
• Use outdoor gas and charcoal grills with caution. Keep them away from structures, particularly when in use. Never add materials to the fire.

Fireplace Safety

If your home has one or more fireplaces, special precautions can help to keep home fires burning safely:

• Never burn charcoal or use a hibachi in your fireplace. Both produce deadly carbon monoxide.
• Protect against sparks by enclosing a fireplace's opening with glass doors or a sturdy screen.
• Never close the flue while a fire is still smoldering. Carbon monoxide could build up.
• Never use gasoline, kerosene or lighter fluid to start a fire. Burn only dry, seasoned hardwood. For extra safety, light fires with long-stemmed matches.
• Have your fireplace and chimney inspected annually. They should be properly vented and free of blockages. Have cleaned as needed.
• Protect the top of your chimney with a guard that keeps out birds and small animals and keeps in sparks that could ignite your roof.
• Keep flammables such as newspapers, magazines, rugs and carpeting well away from the fireplace.
• Remove holiday decorations from the fireplace and mantle before building a fire to avoid having the decorations ignite.
• Teach children to stay back from the fireplace.
• Never leave a fire unattended.
• Keep a fire extinguisher handy.

If Fire Breaks Out

Smoke detectors greatly increase the likelihood you'll survive a fire. Place at least one on each floor of your home and outside each sleeping area. Install detectors inside bedrooms for added protection. Mount detectors on the ceiling, at least 4 inches away from the wall. Test detectors monthly and replace batteries once a year. To help you remember, plan to install new batteries on an annual event, such as the Fourth of July. Replace smoke detectors after 10 years.

If a fire does break out, take immediate action. Smoke and flames spread rapidly. Get out of the house right away, then call the fire department from a neighbor's house or a cellular phone. Fumes overcome most victims long before flames reach them. Use your safest exit. If you must escape through smoke, get down and crawl low under the smoke, keeping your head about 12-24 inches off the floor.

If you haven't gotten around to conducting a family fire drill, now's the time to do it. And visit your local hardware store or home center to invest in a few fire extinguishers. Extinguishers are classified according to the type of fire they will put out, and you'll find the classification displayed on an extinguisher. A Class ABC extinguisher is multi-purpose and works well against any small, self-contained fire. Keep one in the kitchen, extras in the basement or garage. Contact your fire department to ask about training. Don't attempt to fight a fire unless you know you have the right extinguisher to handle that type of fire, and be sure to keep your back to a safe exit.

Fire Safety Checklist

Take this quick quiz to help you assess your family's fire safety plan:

• Do you follow the fire prevention practices outlined in this pamphlet? Pay special attention to safety tips on cooking, smoking, use of heating equipment, proper storage of flammables and precautions regarding children and matches.
• Are your smoke detectors working? There should be at least one on every floor of your home. Test each detector monthly, and replace batteries annually.
• Do you hold regular fire drills? Several times a year, have your family practice exiting your home safely and quickly in the event of an emergency. Designate a meeting place for all family members to gather once they are out of the house.
• Have you taught your children to "stop, drop and roll"? In the event their clothing catches fire, kids (and adults) should stop, drop to the floor, cover their faces and roll over and over or back and forth to put out the fire. Keep rolling until the fire goes out.
• Have you planned an alternate escape route? It's important to have at least two escape routes from each room in your home, often a door and a window. Practice using them now to be sure you could get out in an emergency.
• Can you safely exit from the second floor? A chain ladder or other easily accessible ladder can help you escape from the upper stories of your home in the event of a fire.
• Do you know how to use your fire extinguishers? Know where your fire extinguishers are kept, and read the instructions for use before you need them.
• Do you know the phone number for your local fire department and the location of the nearest phone outside your house? In case of fire, always evacuate your home first, then call for help from a cellular or other nearby phone.

Preventing Theft

Every year, burglars hit more than five million households, stealing more than $4 billion worth of property.* Determined thieves can break into just about any home, but you can take steps to make entry a lot more difficult for them.

*Source: Protecting Your Life, Home and Property, Capt. Robert L. Snow, Plenum Press, 1995.

• Invest in a quality door. Door security begins not with a good lock but with the door itself and the frame it fits into. Weak door assemblies can be broken with a single kick, popped open with a jimmy bar or even pried out-frame and all-from the wall. Strong exterior doors have solid, not hollow, cores; doors that are sheathed in metal are even better.
• Install deadbolts. Deadbolt locks provide the best protection for the least amount of money. Ordinary spring-operated locks can be defeated with a credit card. Intruders can't slip a deadbolt lock because it has a solid metal bar that fits into the door jamb. To be effective, a deadbolt lock should have at least a one-inch throw (meaning the metal bolt extends at least an inch past the edge of the door). Doors with glass panes present a special security problem because a thief can break the pane, reach inside and unlock the door. If state or local laws permit, the solution is a double-cylinder lock-one that must be opened with a key from inside as well as out. But don't defeat the purpose by getting into the habit of leaving the key in the lock on the inside. To exit quickly in case of a fire, keep the key near the door but in a spot that can't be reached from outside. You might want to hang it on a nail near the floor where you can find it easily if fire breaks out.
• Don't forget windows. Windows and sliding glass doors also should be secured. Look for locks specifically made for different window styles at your local hardware store or home center. You also can secure a sliding glass door with a broomstick or piece of 1" x 2" lumber laid in the door track when the door is closed.
• Light up. Outside flood lighting reduces your risk of burglary by highlighting the exterior of your home at night. You can choose from lights that remain on all night or motion-sensitive lights that come on only when someone approaches your home. Motion-sensitive lights save energy and could catch a would-be thief by surprise. Timers on inside as well as outside lights give the impression that someone is home, even if you're on vacation, out to dinner or visiting the neighbors.

Sounding an Alarm

For greater peace of mind, consider investing in a professionally installed alarm system. Alarm systems come in many shapes and sizes, at prices that range from a few hundred to several thousand dollars. Many installers also charge monthly monitoring fees, which should be taken into account when you shop for a system. A home alarm system includes some combination of the following components:

• Perimeter sensors. These consist of photo cells or magnetic contacts on doors and windows that sound an alarm when an intruder tries to get inside. Perimeter sensors are mounted on two points, such as the door jamb and the door itself. Photo cell sensors are activated when something passes through a beam of light projected between the two points, while magnetic sensors are activated when contact is broken between the two magnetized points.
• Heat and motion sensors. You can use heat and motion detectors to protect specific spaces in or outside your home-a bedroom hallway, for instance, or your backyard. Heat detectors respond to body temperatures. Motion sensors detect movement.
• Glass break detectors. These devices recognize the sound of breaking glass. They activate the alarm when they sense breaking glass in a window or door.
• Keypad. One or more keypads allow you to turn the system on and off.
• Audible alarm. A piercing alarm alerts neighbors and the police. And it lets the burglar know he's been detected, meaning he'll probably leave your house in a hurry.

Keep in mind that false alarms can be a problem. In addition to annoying the neighbors and taking the police away from real emergencies, some communities now assess fines for excessive false alarms. The National Burglar and Fire Alarm Association reports that nearly 80 percent of false alarms are caused by user error. Steps to prevent false alarms include regular system maintenance and ensuring that whoever has a key to your house also knows the codes to activate and deactivate your system.

Local police are a good source of information and recommendations regarding security systems. They work with the security services in your area and can tell you what types of break-ins are most common in your community. Or contact the National Burglar and Fire Alarm Association for names of members by calling or writing to NBFAA, 2300 Valley View Lane, Suite 230, Irving, TX 75062, (888) 447-1689, (214) 260-5970 local.

After you've determined which alarm system is best for you, ask your insurance agent, family or friends for referrals. Get written quotes from at least three companies. Before you obtain an alarm system, investigate a security service's reputation and how long it has been in business. Also ask about warranties and what they cover.

Crime-Stoppers' Checklist

Use this quiz to evaluate the security at your house:

___ Do you have a dog? Barking dogs attract the kind of attention a burglar doesn't need.

___ Do you leave a radio or television set on when you're out? The sound of voices will send an intruder elsewhere.

___ Do you refuse to open doors to strangers? Always ask for identification or check the driveway for a repair or delivery truck. If in doubt, call the utility or business in question to ask if they have sent someone to your home.

___ Do you have peepholes in all solid doors? Don't rely on chain locks to see who is at the door. They can easily be forced once a door is ajar.

___ Do you keep your garage door locked? Thieves like attached garages because, once inside, they can unobtrusively force the door to the house.

___ Are your basement windows secure? These are another popular point of entry for intruders.

___ Do you keep trees and shrubbery trimmed? Overgrown vegetation gives a burglar more privacy.

___ Do you have neighbors collect your mail and newspapers while you're away? You can also ask the post office and paper carrier to hold deliveries until you return.

___ Have you familiarized baby sitters and other outsiders with your safety measures? Show them escape routes and familiarize them with any locks and alarm systems. (See a list of emergency numbers to keep by the phone.)

___ Does your neighborhood have a watch program? If not, check with your local police for information about starting one.

Insuring Against Loss

Homeowners or renters insurance provides money to replace possessions after a fire or theft. Remember to keep a good inventory of your property, including serial numbers. A quick way to do this is with snapshots or a camcorder. Store your inventory in a safe-deposit box or other location outside your home, and update it every year.

While you're making an inventory of your valuables, consider engraving them with your name or Social Security number. This makes it easier to trace the goods back to you if they're stolen. Many local police departments will loan etching tools.

Most insurers recommend that you insure your property at replacement cost. This reimburses you for what it would cost to replace items today, instead of paying only for their current, depreciated value. You'll pay a little more in premiums for this extra peace of mind, so shop around for the best policy and the best price. Consider only reputable companies and agents. Get at least three quotes. Some companies provide lower rates if you have more than one type of coverage with them, such as auto and home. Review your insurance coverage annually.

In Case of Emergency

Take a few minutes to look up these numbers and post them by the kitchen phone.

Fire or Crime in Progress _____ 911

Poison Control Center ______

Alarm Service ______

Family Physician ______

Insurance Agent ______

Neighbor ______

Babysitter ______

Safe and Sound

The place where you and your loved ones live, with your possessions and irreplaceable mementos of your past, is well worth protecting. The time, money and attention you devote to securing it will reward you with increased peace of mind and the feeling that your home is indeed a safe haven.

Home Safety Checklist

Safety Equipment

Smoke Alarms
___ Is there one located on each floor of the home?
___ If battery operated, do you check the battery periodically and replace it yearly?
___ If electrical, do you check periodically for proper operation?

Fire Extinguishers
___ Easily accessible?
___ Fully charged
___ Is it within the expiration date?

Deadbolts
___ Installed on all exterior doors?

Plumbing

Hoses and Connections
Are the following periodically checked to see if they are secure and leak-free?
___ Hot water tank
___ Dishwasher
___ Washing machine
___ Icemaker

Electrical
___ Are extension cords overloaded?
___ Are extension cords removed from under rugs or furniture?
___ If older home, is the wiring up to code?
___ Do you have surge protector bars on air conditioners, entertainment equipment and computers?

Heating System
___ Is your furnace cleaned and checked annually?
___ Are the filters changed regularly?

Chimney/Fireplace
___ Are they cleaned and checked annually?
___ Is the damper functioning properly?
___ Are screen/doors in fireplace properly installed?

Frozen Pipe Prevention
___ Is home heated while on winter vacations?
___ Do you disconnect the garden hose and shut off outside water faucets when the temperature drops to freezing?

Roof
___ Is the roof in good condition?
___ Are gutters cleaned every autumn to help prevent roof leaks?

Miscellaneous
___ Are all your steps/sidewalks level and intact?
___ Are there secured railings for your steps?
___ Is flammable material properly stored? (Example: Be sure clothes are not stored near hot water heater.)
___ Are surrounding trees healthy?
___ Is your house clear from any hanging tree limbs?
___ Is your in-ground pool fenced in?
___ Are there locking gates on decks connected to swimming pools?
___ Are matches stored out of the reach of children?
___ Are all the cabinets in your home child proof (cleansers and sharp objects are out of reach)?
___ Do you check the safety and condition of your outdoor deck on a yearly basis? (Look for rot; check for stability; treat annually with water sealer.)
___ Do you repair loose or missing grout or caulking in tub/shower area to prevent deterioration of tiles?

For More Information

Reference Materials

The National Burglar and Fire Alarm Association offers a free brochure, Safe and Sound: Your Guide to Home Security. It's available by calling NBFAA at (888) 447-1689 or on the Internet at (www.alarm.org).

Pamphlets from the federal government

The quarterly Consumer Information Catalog lists more than 200 helpful federal publications. For your free copy, write: Consumer Information Catalog, Pueblo, CO 81009, call 1-888/8-PUEBLO (1-888/878-3256) or you can find the catalog on the Net (www.pueblo.gsa.gov).

Internet Information

If you're on the Net, check us out. We're part of MetLife Online (www.lifeadvice.com).