When winter temperatures drop in Southwest Missouri, space heaters can feel like a lifesaver. They’re convenient, affordable, and great for warming up chilly rooms—but they also come with serious risks if not used properly. As your local insurance advisor, we want to help you stay warm while prioritizing space heater safety and protecting your home.
Why Space Heater Safety Matters
According to the National Fire Protection Association (NFPA), space heaters account for nearly 44% of home heating fires and cause over 80% of home heating fire deaths each year. U.S. fire departments respond to approximately 45,000 heating-related house fires annually, leading to injuries and billions in property damage.
Source: NFPA – Home Heating Safety
Most space heater fires occur because heaters are placed too close to combustible materials such as furniture, bedding, curtains, or clothing.
Space Heater Safety Tips to Reduce Fire Risk
If you use a space heater, follow these essential winter fire safety tips:
- Keep at least three feet of clearance from anything that can burn
- Choose UL-listed heaters with tip-over protection and automatic shut-off
- Plug space heaters directly into wall outlets (never extension cords or power strips)
- Turn heaters off when unattended or sleeping
- Place heaters on flat, stable surfaces only
Avoid these common mistakes:
- ❌ Using space heaters in bathrooms or damp areas
- ❌ Placing heaters on furniture or countertops
- ❌ Running heaters continuously for long periods
Important: Electric space heaters do not produce carbon monoxide, but fuel-burning heaters (propane, kerosene, or gas) should never be used indoors unless designed for indoor use and properly ventilated. The CDC recommends carbon monoxide detectors on every level of your home.
Homes with older wiring are especially vulnerable to electrical overload. If breakers trip frequently, consult a licensed electrician before relying heavily on space heaters.
How Insurance Coverage Is Affected
Homeowners and renters insurance may cover fire damage caused by space heaters—but coverage often depends on proper use. Preventing a loss is always better than filing a claim, which may involve deductibles, premium increases, and temporary displacement.
We recommend an annual insurance review to ensure your policy keeps up with winter risks. Learn more at
👉 https://www.smartinsuranceagency.com/blog/
Stay Warm. Stay Protected.
Space heaters can be helpful—but only when used responsibly. If you have questions about winter safety or your home insurance coverage, Smart Insurance Agency is here to help.