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Protect Your Home While Using a Grill with Homeowner’s Insurance

Summer is the perfect time to open up that grill and start cooking some burgers. But did you know that a grill can actually be considered a hazard to your home? A flame that gets out of control, hot coals or even simple smoke damage can all be reasons to file an insurance claim. Yet if you don’t have a quality homeowner’s insurance policy, you might not be covered, leaving you with lots of expensive bills to pay. This is an obvious cause for concern.

How can you protect yourself if your grill does cause damage? And what can you do to prevent any damage from occurring? Well, read on to learn about some basics of grill safety, along with some tips about homeowner’s insurance.

Grill Safety Basics

The first thing you should be aware of when it comes to your gas or charcoal grill is the structural soundness of the grill. Check your grill for cracks or brittleness. If there are any structural issues, you may need to repair or replace it. If there are blockages, use a pipe cleaner to clean those out. Blockages can cause a dangerous buildup of flammable materials, so you want to check for this regularly.

When you’re actually grilling, keep the grill away from your house or garage. Operate it on a level surface, so everything’s even. Don’t let children or pets near your grill. Also, to protect yourself from burns, use oven mitts that reach high on your forearms. Finally, do not store or put your grill away until it has completely cooled down. If you store it beforehand, it may cause a fire.

If There’s an Issue

If in fact you do encounter an out-of-control fire or too much smoke while grilling, be careful. Keep a fire extinguisher close at hand for any events like these. Don’t automatically throw water on a flaming grill, as that could produce more smoke, causing breathing issues, as well as make the fire worse. And of course, call 911 if there is a true emergency.

How Homeowner’s Insurance Can Help

If you only have minor damage to your home, you may not need to file a claim. It could potentially not be worth it if you have a large deductible. In the case of major damage, homeowner’s insurance usually covers damage to the house and personal possessions, as well as damage to insured properties like an unattached garage and injuries to any guests.

Interested in learning more about how homeowner’s insurance can help you enjoy peace of mind while grilling outdoors? Contact an ABCO agent today.

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