Why Unplugging Electronics Can Lower Energy Costs and Fire Risks

Unplugging electronic devices before leaving your home for an extended period can significantly reduce energy costs and mitigate fire risks. In 2023, electrical malfunctions caused 23,700 house fires in the U.S., resulting in substantial property damage and personal injuries. Standard homeowners and renters insurance policies typically cover fire damages caused by appliances, but coverage can vary, especially if policies are based on named perils or if equipment maintenance issues contribute to the incident. Electrical fires often arise from overheating appliances, frayed cords, or battery malfunctions in small devices. Unplugging these devices not only lowers the risk of fire but also prevents standby energy consumption, thereby reducing utility bills. Even when devices are turned off but still plugged in, they consume energy, making complete disconnection via unplugging more effective. From an insurance perspective, reducing preventable electrical risks helps avoid claims that could increase premiums upon policy renewal. Maintenance plays a critical role in coverage eligibility; insurers might deny claims if damages result from lack of upkeep or aging equipment. Beyond safety and insurance considerations, implementing additional home management strategies while away, such as adjusting thermostats, lowering water heater settings, and scheduling lighting timers, can further enhance energy savings and home security. These measures collectively contribute to responsible property management and risk mitigation.