There’s nothing like firing up the grill on a warm summer evening. Whether you’re flipping burgers, searing steaks, or roasting veggies, outdoor cooking is one of the best parts of the season. But behind the fun lies a serious risk: grill fires are one of the most common causes of summer home insurance claims.

Each year, thousands of residential fires are linked to grilling mishaps—many of them preventable. If you plan to barbecue this season, make sure you’re not only cooking up great food but also protecting your home, your guests, and your financial security.

Here’s how to grill smart and stay safe, with a few insurance tips that could save you from a summer disaster.

 

1. Know the Risks: Grill Fires Happen Fast

The National Fire Protection Association (NFPA) reports that more than 10,000 home fires per year involve grills, with gas grills accounting for the majority. Common causes include:

  • Grease buildup
  • Leaky propane tanks
  • Poor grill placement (too close to siding, deck railings, etc.)
  • Unattended cooking

Insurance Impact:
If a grill fire spreads to your deck, siding, or even a neighbor’s property, you could be looking at thousands in damages. Fortunately, most homeowners insurance policies cover fire damage—but only if proper precautions are taken.

 

2. Check Your Homeowners Coverage

Before your next BBQ, take a few minutes to review your policy or check with your agent.

What to look for or ask about:

  • Dwelling coverage: Pays for damage to your home structure
  • Personal property coverage: Covers damaged belongings like furniture or outdoor gear
  • Liability coverage: Protects you if someone is injured on your property or if your fire damages a neighbor’s home

💡 Tip:
 Make sure your liability limits are high enough—especially if you host large gatherings or live close to neighbors.

 

  1. Grilling Safety Tips Every Homeowner Should Follow

Here’s your basic grill-safety checklist to reduce fire risk and liability:

  • Keep grills at least 10 feet away from your home, garage, overhangs, and deck railings
  • Clean your grill regularly to prevent grease fires
  • Check gas lines and propane tanks for cracks or leaks before use
  • Never leave a grill unattended, especially with children or pets nearby
  • Have a fire extinguisher nearby and know how to use it

💡 Tip:
If you’re using a charcoal grill, let coals cool completely before disposal and always store lighter fluid safely.

 

4. Liability and Guest Safety

If someone gets burned, slips on a greasy deck, or is otherwise injured during your BBQ, you could be held responsible—even if it was an accident.

What to do:

  • Make sure walkways and cooking areas are clear and safe
  • Use non-slip mats on decks and patios
  • Don’t allow guests to grill unless they’re experienced
  • Keep drinks and distractions away from the grill zone

Insurance Reminder:
Liability coverage typically protects you in these situations—but again, limits matter. If your current policy only offers basic coverage, consider adding a personal umbrella policy for extra protection.

 

Bottom Line: Be Aware, Be Safe

A safe BBQ is a delicious BBQ. With just a few precautions and the right insurance coverage, you can enjoy outdoor cooking season without worrying about what could go wrong.

If you’re unsure whether your current homeowners policy fully protects you against grilling-related accidents, reach out to us today. We’ll review your coverage and make sure your summer cookouts stay safe, tasty, and stress-free!