Fire Extinguishers And Home Fire Insurance: A Comprehensive Guide – If you are wondering if it is important to have a fire extinguisher at home, the answer is yes.
A fire accident can happen when we least expect it. And with the cost of home fire extinguishers available today, it’s not easy to buy a few to keep at home.
Fire Extinguishers And Home Fire Insurance: A Comprehensive Guide
Maybe you already have one at home, but it’s been left for so long that you don’t even know if it’s still working. Some questions you might have:
Do I Need To Provide A Fire Extinguisher For My Rental?
A 2016 report by The Edge showed that 54.9% of fires in Malaysia were reported from residential areas. Oh!
In 2020, statistics published by Bomba Malaysia recorded a total of 24,810 fires. The numbers are only for the first half of 2020 and it has accumulated losses of over RM1.2 billion alone!
The truth is that some of these incidents could be avoided if homeowners had a fire extinguisher in their home.
With the amount of flammable materials we have in our homes, such as curtains, bedding, carpets and furniture, fire can easily spread.
Simple Steps For Fire Safety
In fact, did you know if you plan to buy home insurance (which you should), having safety equipment like a fire extinguisher can help lower your premium. It’s a win-win situation!
Ok, so what fire extinguishers are available and which ones should you buy for a residential home?
There are 4 types of fire extinguishers that you can usually buy from most hardware stores in Malaysia.
A dry powder fire extinguisher, also known as an ABC, is a multi-purpose fire extinguisher that works on most types of fires. It can be used on fires involving flammable gas/liquid, electronic equipment and organic materials such as wood, cloth and cardboard, making it the ideal extinguisher for fires that may occur in the home.
Fire Safety: How To Prepare And Protect Your Home From A Fire
However, some experts do not recommend using it indoors. This is because the powder can be easily inhaled, which can be harmful to your health.
Another thing to consider is that dry powder extinguishers may not be very effective on kitchen fires because the powder used is not suited to fires involving cooking oil.
Do not use dry powder extinguishers: for kitchen fires and fires in enclosed spaces.
A fire extinguisher works by spraying water at a heat source, removing its heat and ultimately extinguishing the fire itself. This makes it useful for extinguishing fires involving paper, wood, light furniture and other flammable solid materials.
How To Prevent And Be Prepared For A House Fire
Carbon dioxide extinguishers are generally used for fires involving electrical equipment. It works by suffocating the fire with carbon dioxide (reducing the oxygen in the fire).
Since carbon dioxide is a non-conductive gas, it will not react with an electrical wire. This makes it an ideal tool to protect your computer and electrical equipment from fire and prevent flames from starting.
Carbon dioxide fire extinguishers are usually installed in offices and server rooms where there is a lot of electrical wiring. They are not too common for home use.
When applied, the released chemical (potassium) will react with fats and oils, leaving a foam-like barrier that works to cool and extinguish the fire – preventing burning oil from continuing to burn.
Home Fire Safety Guide
It can also be used on fires involving flammable materials such as cloth, paper and plastic. But people usually buy this type of fire extinguisher only for the kitchen.
For convenience and flexibility, purchase a dry powder fire extinguisher. It works best in most situations, is less expensive, and is the choice for most homes.
Then, if necessary, purchase a wet chemical extinguisher to keep in your kitchen in case of a cooking oil fire if you cook a lot.
However, if you live in a shared property or if your house only has one floor, it is best to place them in key areas of your house. Here are some areas to think about.
How To Complete A Home Fire Extinguisher Inspection
Fire caused by cooking is one of the most common household fires in Malaysia. Accidents can happen especially when you are cooking or accidentally leaving food on the stove unattended.
Make sure the fire extinguisher is placed close to the kitchen. But don’t place it next to the stove. In the event of a fire, smoke and flames can block your vision and limit access to a fire extinguisher if it is too close.
Safety tip: Never store fire extinguishers near a heat source. Always keep them at a safe distance.
This is where most homeowners store their tools, equipment, chemicals, and less frequently used items.
Get Fire Insurance Premium Rates For Your Home?
Make sure the fire extinguisher is within reach. We usually recommend placing it right next to the home’s garage door.
Most fires occur at night. In the event of a fire, instead of running around looking for a fire extinguisher, it’s always safer to wake up nearby.
Don’t like bright red fire extinguishers? You can also choose creative designer fire extinguishers like the ones below to match the design of your premises.
Some homeowners have the misconception that a license is required to purchase fire extinguishers. Well, you can actually buy fire extinguishers online if you buy a few units.
Kg Hercules Carbon Dioxide Co2 Fire Extinguisher
As for the price of regular home fire extinguishers, they usually range from RM49.90 to RM298.00. You will find that the price differences are mainly due to the types of fire extinguishers and their designs.
The size of fire extinguisher you should buy depends on the layout and size of your home. Fire extinguishers usually come in 3 sizes:
Many homeowners neglect purchasing fire extinguishers until it is too late. Don’t make the same mistake. When moving into the house, we recommend keeping fire extinguishers at home.
What other questions do you have about fire extinguishers that we haven’t answered? Let us know in the comments section below and we’ll do our best to help. Receive a S$50 shopping voucher when you successfully sign up for a 5-year Advanced National Home Contents Insurance Plan or a 3-year Home Comprehensive Insurance Plan. For more details on this promotion, please click here.
Can You Fireproof Your Property And Home?
Basic HDB fire insurance only covers the building structure of your unit and not the contents of your home. EPHCI covers not only the building but also your household contents, valuables and refurbished items against insured perils such as fire, burst water pipes and burglary.
If a fire starts in your home and spreads to your neighbor’s home, you may be liable for damages. EPHCI can ease your financial stress as it builds on your basic HDB fire insurance and covers you and your immediate family’s legal obligations to your neighbours.
No matter how big or small the loss, it can be a devastating experience, especially if your home is unlivable. Our EPHCI covers alternative accommodation expenses if your insured home is rendered uninhabitable by insured perils such as fire, burst water pipes and burglary.
Let us help protect your largest asset with our Enhanced Public Home Contents Insurance (EPHCI) plan. EPHCI provides cover for your household contents, valuables and refurbished items and even personal third party liability. With its affordable premiums, EPHCI is a sensible way to protect your most valuable asset. EPHCI covers:
What Kind Of Fire Extinguisher Do I Need For My House?
Get 24/7 access to reliable locksmith, electrical, plumbing, pest control and air conditioner repair services with home insurance. Please see the policy wording for more information.
This policy is protected under the Policyholder Protection Scheme administered by the Singapore Deposit Insurance Corporation (SDIC). Your policy coverage is automatic and you don’t need to take any additional steps. For more information on the types of benefits covered by the scheme and the coverage limits, if any, please contact Asia Pacific Insurance Pte. Ltd. or visit , GIA or SDIC websites (or www.gia.org.sg or www.sdic.org.sg).
If I ask, how many of you have a fire insurance policy for your home? If the bank you got a loan from, probably 90% of you could say you don’t have one unless forced to.
What if I told you that fire insurance for your home costs you about 1 paisa per 1000 Indian rupees, yes you read that right, a paisa per 1000 rupees. So the premium for a property worth around ₹50,00,000 would be around ₹. 5000 per annum. A fire policy covers you against thirteen perils, including fire, earthquake, lightning and flood.
Did You Know? Portable Fire Extinguisher Standard Installation
It could be a cultural thing. Maybe we think the neighbor’s house will burn down, but mine will remain intact.
But even if you look at products in the insurance market with good returns, I have yet to come across a product with a better return on investment, for example.
Well, if you’ve really decided to insure your home, here are some tips on how to get a better deal
Let’s say the construction cost in your area is around ₹. 5,000 per square foot, and yours
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