Insuring your home
How to avoid electrical hazards in the home
Electricity powers our lives, but when things go wrong, the consequences can be severe – fires, injuries, and expensive repairs. The good news? Most electrical hazards can be prevented with a few simple steps. Here’s how to keep your home safe and your family protected.
Inspect cords and appliances regularly
Damaged cords and faulty appliances are among the most common causes of electrical fires. Look for frayed wires, cracked plugs, or scorch marks on the electrical components. Replace damaged cords immediately and avoid using appliances that spark or overheat.
Avoid overloading power points
Plugging too many devices into one socket can cause overheating and even start a fire. Use power boards with overload protection and spread devices across multiple outlets. If you notice flickering lights or warm sockets, call an electrician.
Keep water away from electricity
It’s worth remembering that water and electricity are a dangerous mix. Wet hands or damp areas increase the risk of electric shock. Dry your hands before touching switches and keep appliances away from sinks, bathrooms, and outdoor wet areas.
Be cautious with electric blankets
Electric blankets are another serious fire hazard, especially if they’re old or damaged. Check for exposed wires, avoid folding them, switch them off before sleeping and consider replacing blankets older than 10 years.
Hire a licensed electrician for repairs
DIY electrical work can be dangerous and is never a bright idea. Always call a qualified electrician for installations or repairs. It’s safer and ensures compliance with Australian standards.
Install safety switches
Safety switches – also known as Residual Current Devices (RCDs) – cut power instantly during a fault, reducing the risk of shock or fire. Test them every three months to ensure they’re working properly. If your home doesn’t have safety switches, arrange installation immediately.
Does GIO Home & Contents Insurance cover electrical faults?
Electrical faults and faulty electrical items are a common cause of house fires, which can cause major damage or a total loss of the home and contents. With GIO Home & Contents Insurance, you’re covered for damage caused by fire (including bushfire).
However, loss or damage caused by wear, tear or deterioration of your contents, including electrical items, isn’t covered, so it’s important to keep your home and contents well maintained and in a good condition.
Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO. Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it.
Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available.
The information is intended to be of general nature only. Subject to any rights you may have under any law, we do not accept any legal responsibility for any loss or damage, including loss of business or profits or any other indirect loss, incurred as a result of reliance upon the information. Please make your own enquiries.
