It could be as simple as a dropped cigarette or some grease left to bubble on a hob for too long, but fires in the home do happen and they pose a major risk - they can cause massive damage both emotionally and financially.
Despite the risks however, research from home insurance provider Halifax shows that two in five Brits are failing to check their homes for fire hazards. To make matters worse, more than two thirds (68 per cent) said they would panic and not know what to do if a fire occurred.
Of course it is possible to protect yourself against the financial risk of fire damage through home insurance. However, almost half of all Brits (48 per cent) could lose everything as they admit they don't know what their home insurance covers them for in the event of a blaze.
How home insurance can help after a fire?
Unfortunately there are many sentimental items that simply cannot be replaced - such as family heirlooms or photographs - which is why preventing a fire is so important. However, home insurance can certainly lift some of the financial burden.
According to the Halifax research, the items Brits would most like to save in the event of a blaze are:
Handbag or wallet
Family photos
Mobile phone
Home computer
Childhood items
Jewellery
Family heirlooms
Clothes
DVDs and CDs
Wii or other games console
Among these items, the majority could be replaced with a home insurance policy. Most insurers now offer "new for old cover" in which you get a brand new item to replace the previous version.
However, in order for a home insurance company to offer a payout in the event of a claim you must keep your policy up-to-date. Ensure you check your policy regularly and include any new items - such as Christmas or birthday presents - as part of your list. With Christmas approaching it's worth seeing if your insurer will offer additional cover over the festive period for any items you buy.