Grilling during the summer is an American tradition that’s practically as old as the Fourth of July itself. Who doesn’t like a hamburger or hot dog and a cold drink while watching fireworks or hanging out at the beach?
Turns out, grilling can be dangerous – not a big surprise when you consider that you’re dealing with propane and fire, but we overlook the risks sometimes. Our infographic shows what can happen if you don’t follow proper grilling safety guidelines.
Don’t want any of the above to happen to you? Follow these simple safety tips:
- Only grill outside, and make sure you’re at least 10 feet away from a building or overhang.
- Clean your grill after each use to prevent buildup of grease and fat.
- Never leave a grill unattended.
- Keep children and pets away from lit grills.
Plus, before you start grilling this summer, make sure you have the right protection in place in case your cookouts go awry.
Renters or homeowners insurance. One of the biggest dangers of grilling is damage to your home. Cook too close to the building and you can cause a fire. If you rent, make sure that you have a renters insurance policy to cover the loss of any of your stuff (your landlord’s policy will cover the building itself) and create a home inventory so you can make claims on any lost items. If you own your home, check whether you have a named perils or open perils homeowners insurance policy, and if fire damage is covered. It’s one of the most commonly covered perils, but it never hurts to double check!
Health insurance. I know: You’ve heard enough about health insurance in the news, and it’s the last thing you want to think about during a cookout. But health insurance is still legally required, and it’s also important to your financial health in case you need to go to the doctor for burns, smoke inhalation, or other injuries after a grilling mishap. You can only buy health insurance during Open Enrollment at the beginning and end of each year (except for in special circumstances) but if you’re not insured, consider some temporary alternatives. And if you are insured, make sure you understand your policy’s terms, like your deductible and copay – most people don’t.
Life insurance. A small number of people are killed in grilling accidents – only around 10 a year – but you should have life insurance anyway! Life insurance secures your family’s financial future, giving you peace of mind so you can truly enjoy your cookouts, vacations, and quality time building memories. Plus, it’s so affordable that it won’t even eat into your condiment budget. How affordable exactly? You can compare term life insurance quotes on PolicyGenius.com.
Smart grilling practices and the right insurance policies are the best way to protect yourself as you grill this summer. Now all you need to watch out for are fireworks and public pools.