this post was submitted on 08 Jan 2024
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I am sure the insurance company loves you.
Falls asleep with a cigarette in his mouth every night
Got to make sure you put a lit candle down on top of your oil soaked news papers. Otherwise they'll blow away.
I don't remember them even asking for either one.
That tends to be covered by code.
if ANYTHING happens in your home and they either send someone out or a responder makes a note of it, you get dropped and they laugh.
Yup, but neither is required by code where I live.
Some insuraners offer a small discount for having a fire alarm, but they can't drop you for not having one.
So it's not my business but I'm curious... You can get smoke detectors for like $10/each, you seen to acknowledge that having 0 smoke detectors is kinda dangerous.. why not install a couple smoke detectors? I always thought they were annoying until a Chinese cheap battery self ignited in the next room while I was sleeping, it would've burned my apartment building down if there wasn't a smoke detector in the room.
I used to live in Germany where smoke detectors where mandatory at some point. It was also the landlords responsibility. So what you had was a some company coming into your home once a year to check all the smoke detectors. I found that to be very intrusive.
Not sure of this process has been digitised since (in Germany probably not), but I don't really miss it. (I live in Switzerland now, and here smoke detectors are not required by anyone (might depend on Canton)).
You don't need anyone to come inspect anything. It's literally a small plastic device you can buy online or at a store, put a battery in, and forget it exists until it tells you it needs a new battery or it saves your life.
When it's required and the landlord's responsibility, they're liable if a fire happens and the detectors don't do their job. So they're gonna send someone out periodically to make sure it's still functioning properly. There's nobody there to check yours if you just buy your own.
Seriously, if that's your only hold up, please get some smoke detectors in your house. Having smoke detectors isn't something that you "miss", it's something that you hope you never have to have needed but the one time you do need it, it can save your life, your loved one's lives, everything you own.
Your absolutly right. But I probably won't do that. It just so unimportant overall, I won't think of it in a few days. And it's not like I'm going to start a fire. That just happens to other people. Not me.
You realize that this mentality is considered a huge joke pretty much everywhere no..? "That only happens to other people" is not true. Does your house have electricity? If yes, an electric fire completely beyond your control could start tonight. Any batteries in the house? See my first comment. Do you cook? Accidents happen (and no, they don't only happen to "other people"). There's not just a subset of the population that's just having constant house fires and everyone else is safe.
Do car accidents only happen to other people too? Or medical ailments, or crime?
Yes, every much. And I have cat hair everywhere and a lot of electricity. Seems like a risk factor.
But you know ... It won't happpen to me.
I uh.. hm. Well good luck with that. I hope you love alone and aren't making this decision for others to live with..