Awareness is key to getting everyone out of harms way when fire breaks out.

• Install an early warning system. There should be at least one smoke detector on each floor of your home. In addition, place one near each sleeping area. Test smoke detectors regularly and replace as needed.
• Be sure family members know what to do if a fire occurs. Identify two escape routes. Designate an emergency meeting location outside the home where family members will gather. Hold regular fire drills.

Fire victims typically share the cost of repairing, replacing, or rebuilding damaged property with an insurance company. Be sure adequate coverage is in place before a loss occurs.

• Buy home insurance whether your own or rent.
• It is best to insure your home for its full replacement cost. Replacement cost is the amount it takes to rebuild the dwelling without deducting for age or wear and tear.
• Annually update and review the policy to confirm you have adequate policy limits and coverages.
• Prepare a personal property home inventory. This will help you confirm contents insurance needs and identify what is damaged, destroyed, or missing if a loss occurs.