It only takes a moment—a forgotten candle, an overloaded outlet, a stray spark from the stove—for a cozy home to turn into a dangerous blaze. Every year, thousands of families face the devastating aftermath of house fires, many of which could have been prevented. Understanding the most common causes of home fires isn’t just smart—it’s essential. Here’s what you need to know to keep your loved ones safe and your home protected.
Cooking
A leading cause of house fires, unattended cooking is one of the biggest risks in the kitchen. Cooking fires can ignite in seconds, and flammable items like towels or food packaging can easily catch fire if placed too close to a hot burner.
How to prevent:
Stay in the kitchen. Never leave food unattended when frying, grilling, or broiling. If you must leave, turn off the stove or oven.
Use timers. Set a timer as a reminder that something is cooking, especially for longer tasks like baking or simmering.
Clear the area. Keep oven mitts, paper towels, curtains, and wooden utensils away from burners.
Turn pot handles inward. Prevent accidents by keeping handles turned toward the back of the stove.
Avoid distractions. Don’t cook if you’re feeling drowsy or have consumed alcohol or sedating medications.
Heating
As temperatures drop, heating equipment becomes a top source of home fires. Space heaters, fireplaces, and wood-burning stoves can all spark danger if not used carefully.
How to prevent:
Keep a safe distance. Maintain at least 3 feet of space between heaters and anything flammable—furniture, curtains, bedding, etc.
Upgrade old equipment. Choose space heaters that turn off automatically when overheated or tipped over.
Maintain chimneys and furnaces. Have them professionally inspected and cleaned annually.
Dispose of fireplace ashes properly. Let ashes cool completely and place them in a metal container with a lid. Place them outside and away from your home.
Use fire screens. Always use a sturdy screen or glass door in front of fireplaces.
Electrical
Modern homes rely on more electronics than ever—but faulty wiring or improper use of power and extension cords can lead to disaster.
How to prevent:
Don’t overload outlets. Avoid using multi-plug adapters or plugging too many devices into one outlet.
Inspect cords. Replace frayed, cracked, or damaged cords immediately.
Pay attention to wattage. Always use light bulbs that match the fixture’s recommended wattage.
Look for warning signs. Flickering lights, discolored outlets, burning smells, or frequent blown fuses are red flags.
Upgrade protection. Install Arc Fault Circuit Interrupters (AFCIs) and surge protectors. Consider smart sensors that alert you to abnormal power use or overheating.
Call an electrician. Have a licensed professional inspect your system if you suspect any issues.
Candles
While they add ambiance, candles can also add risk. An open flame left unattended is a leading cause of home fires.
How to prevent:
Never leave a candle burning unattended. Always extinguish it when you leave the room or go to sleep.
Watch placement. Keep candles at least 12 inches away from anything flammable—curtains, books, decorations.
Use sturdy holders. Place candles on heat-resistant surfaces and avoid wobbly furniture.
Keep away from pets and children. Curious hands and wagging tails can easily knock over a candle.
Don’t burn to the bottom. Leave at least a half inch of wax in the container to prevent overheating and cracking.
Dryer Vents
Dryers are a common cause of home fires, and too often, the lint traps are the culprit. Making sure your lint trap is not too full will help.
How to prevent:
Clean the lint filter after every load. Remove lint from around the dryer rim.
Check the vent hose regularly. Make sure it’s not kinked or clogged. Make sure the outdoor vent flap opens when the dryer is on.
Move flammable items. Move cardboard and cleaning supplies away from the dryer, especially when it is on.
Smoking
Careless smoking is another major contributor to home fires—especially when done indoors or near flammable materials.
How to prevent:
Never smoke in bed or when drowsy. It makes it too tempting to skip safe disposal and it’s too easy to fall asleep.
Use deep, sturdy ashtrays. Ensure cigarette butts are completely extinguished.
Don’t toss butts in the trash. Dispose of them in a metal container or douse with water before discarding.
Preventing a fire doesn’t stop with avoiding hazards—it includes being prepared in case one does occur.
Install smoke detectors. Place them on every level of your home, inside bedrooms, and outside sleeping areas. Test them monthly and change the batteries twice a year (when you change the clocks).
Have an extinguisher on hand. Keep one in the kitchen and know how to use it. Check that it’s not expired.
Keep flammable items out of reach. Store matches, lighters, and chemicals where children can’t access them.
Create a fire escape plan. Practice it with your family so everyone knows how to exit quickly and safely.
Your home is one of your greatest investments. Make sure it is fully protected with the right insurance.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Summer is in full swing, and somehow, the kids are bored again. Sound familiar? Don’t worry—this season, you’ve got a secret weapon: kid-friendly DIY projects that spark creativity, burn off energy, and (bonus!) keep screen time to a minimum. Whether you’re building a terrarium, whipping up homemade slime, or crafting a bird feeder, these hands-on adventures are fun for the whole family—and just might make you the coolest parent on the block.
Invite feathered friends to your backyard with this easy, kid-made bird feeder that’s as fun to craft as it is to watch in action!
Supplies
Wild bird seed
A cardboard toilet paper roll
Paper plate
Peanut butter (or other nut butter)
String or yarn for hanging
Knife for spreading
Directions
Spread peanut butter on the outside of the toilet paper roll. Make sure it is fully covered.
Place the birdseed on a paper plate. Shake it gently so it coats the plate.
Press the toilet paper roll in the birdseed. Roll it around until it is well covered.
Cut an 18-inch length of string.
Thread it through the opening of the toilet paper roll. Knot the ends together.
Hang it outside on a branch.
Pro Tip: If you don’t want fallen seeds to sprout on your lawn, place the homemade bird feeder in a paper bag and microwave it for 5 minutes. That prevents it from sprouting.
Watch kids’ creativity come to life as they scratch away black paint to reveal vibrant, colorful designs hidden underneath!
Supplies
Heavy card stock
Crayons
Black acrylic paint
Mixing bowl
Dish soap
Foam paint brush
Wooden chopstick
Directions
Color the underlying pattern on the card stock. This could be a rainbow, a series of hearts or any colorful pattern. Make sure you press down hard so the color is prominent, and it goes all the way to the ends of the paper.
Combine equal parts acrylic paint and dish soap in the mixing bowl. Stir it gently with the foam brush. Try to avoid making it sudsy.
Apply the paint-soap mixture on top of your colorful design. Make sure to completely coat the cardstock.
Give the paint a few hours to dry.
Then use a chopstick to scratch off designs, revealing the colorful layer below. The paint will flake off but is easy to clean.
Stretch it, squish it, swirl it—kids love making (and playing with!) homemade slime that’s equal parts science and fun! Supervise young kids in this process, and make sure they know not to eat the slime.
Supplies
1 teaspoon borax powder
1 ½ cup water divided
4 oz. white glue
Food coloring
Bowl
Directions
Dissolve a teaspoon of Borax into one cup of water. Set aside.
Pour the glue into a medium mixing bowl and add ½ cup of water.
Add a few drops of food coloring.
Pour the borax mixture into the glue mixture.
Watch for the solids that start to form.
Stir at the beginning but after a few moments, you will want to use your hands to gather the gooey mixture. It will be soft and wet.
Do you have a fun project that’s not listed here? Share it in the comments.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
When temperatures soar, staying cool isn’t just a comfort—it’s a matter of safety. For law enforcement officers and first responders, the summer heat adds another layer of challenge to already demanding duties. Whether directing traffic under the blazing sun or responding to emergencies in heavy gear, heat stress can sneak up fast. Here are some smart, practical strategies to help you keep your cool.
Suit Up for the Season
Your uniform is your armor, but under the summer sun, it can turn into a sauna. Choosing the right gear can make a huge difference in staying cool.
Go Light and Breathable: If your department permits, opt for summer uniforms made from lightweight, moisture-wicking materials like mesh, rayon, cotton, or lightweight polyester. These fabrics help sweat evaporate quickly, keeping your body temperature in check.
Add Cool Extras: Cooling vests, neck wraps, and other personal cooling gear can provide extra relief on scorching days—just make sure they’re approved by your department.
Bike & Traffic Patrol Tips: Tactical shorts and ANSI-certified high-visibility polos keep you mobile, visible, and comfortable.
Head-to-Toe Comfort: Swap out heavy hats for breathable, UV-protective caps—department approved of course. Choose moisture-wicking socks—many of which include anti-odor features—to keep your feet dry and blister-free.
Pro Tip: Wear your ballistic vest on the outside. In summer, it’s better to skip layering over it. Outer vest carriers offer protection and breathability—without sacrificing your uniformed look.
Hydrate for the Long Haul
When you’re in the sun for hours, even mild dehydration can take a toll. Drink early and often.
Water Is #1: Drink before, during, and after your shift. Don’t wait until you’re thirsty.
Try Coconut Water: It’s a great natural source of potassium and electrolytes.
Skip These: Caffeinated drinks, sodas, energy drinks, and alcohol all dehydrate you. Caffeine constricts blood vessels and acts as a diuretic, while alcohol sets you up for a rough shift the next day.
Eat to Beat the Heat
It takes a lot of energy for our bodies to digest a steak dinner. When our body breaks down protein, it creates heat. Don’t let heavy meals weigh you down. Aim for lighter, heat-friendly meals and snacks leading up to and during your shift.
Choose Hydrating Snacks: Watermelon, peaches, apricots, and radishes are great choices.
Select Leafy Greens: They’re loaded with water and easy on your system.
Enjoy Smart Fuel: Choose lean proteins and whole grains to keep energy up without overheating your body’s digestive system.
Don’t Forget Sunscreen, Bug Spray & Other Essentials
It’s not just the heat. Make sure you protect your skin from damaging rays and uncomfortable, itchy bites.
Slather the Sunscreen: Apply broad-spectrum SPF 30+ generously and reapply every two hours, especially if you’re sweating.
Bring the Bug Spray: This is essential if your beat includes grassy or wooded areas. Mosquito bites are more than just an annoyance.
Take Towels in the Cruiser: Keep a stash of clean towels to wipe off sweat and help you cool down quickly. Try a cooling towel; it will absorb your sweat and create a cooling effect.
Know When to Rest
Recovery is just as important as readiness. Smart breaks can keep you from overheating and reduce the risk of heat-related illness.
Take Breaks: When possible, rest in the shade or an air-conditioned vehicle. Short pauses throughout your shift can help regulate body temperature and maintain focus.
Watch for Warning Signs: Learn to recognize early symptoms of heat stress—like dizziness, nausea, or confusion—and act quickly if they appear.
Use the Buddy System: Keep an eye on your partner—and yourself—for signs of heat exhaustion.
Have a Heat Emergency Plan: Know what to do if you or a colleague begins to show symptoms. This goes for K-9 partners, too!
Know the Warning Signs
Heat illness can escalate quickly—from cramps to exhaustion to life-threatening heat stroke. Be alert for these symptoms:
Signs of Heat Stroke:
Body temperature above 103°F
Dizziness or disorientation
Nausea or vomiting
Headache
Hot, red, dry skin
Rapid heartbeat
Confusion
If you or a partner exhibit any of these, take immediate action:
Get to a cool area
Remove excess gear
Apply cold compresses or ice packs to the forearms, neck, or groin
Seek medical help immediately
As law enforcement officers and first responders, you face challenges every day—especially when the heat is on. That’s why we’re proud to protect the heroes who protect all of us. From custom insurance coverage to exceptional service tailored to law enforcement professionals, we’ve got your back—on duty and off.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Your car’s fluids are like its lifeblood—without them, things can go south fast. From keeping your engine cool to ensuring your brakes respond in a split second, fluids play a critical role in your vehicle’s performance and safety. The good news? You don’t have to be a mechanic to keep tabs on them. With a few simple checks, you can catch issues early and keep your car running smoothly, mile after mile.
Why Fluid Checks Matter
Many vehicle fluids need attention more frequently than the typical 5,000- to 10,000-mile service intervals. Ignoring fluid levels can lead to poor performance, unexpected breakdowns, or even long-term engine damage.
Whether you’re prepping for a road trip or just want to protect your investment, regular fluid checks are a smart habit to adopt.
General Tips for Checking Fluids
Park on a level surface before checking any fluids.
Never overfill—a little too much can be just as harmful as too little.
Clean around caps and reservoirs before opening to avoid introducing dirt or debris.
Always use the type of fluid recommended by your vehicle’s manufacturer (your owner’s manual will have the specs).
If you find yourself topping off fluids frequently, it could be a sign of a leak or other issue—have it checked by a professional.
Your owner’s manual is a good first step for knowing where the components are, and what to check.
Engine Oil
What it does: Lubricates engine parts, removes debris, and helps regulate heat.
When to check: Monthly. Change it every 3,000 to 5,000 miles, or according to your car’s recommendations.
How to check:
Turn off the engine and let it cool.
Open the hood and locate the oil dipstick (usually marked with a bright handle).
Pull it out, wipe it clean, and reinsert it fully.
Pull it out again and check the level. It should fall between the min and max markers.
If low, add oil slowly and recheck. Usually, one quart is enough to go from the lower to the upper mark.
Check oil quality too:
Rub a little between your fingers. If it feels gritty, it may be breaking down. Look at the color—clean oil is amber or golden. Dark brown or black oil means it’s time for a change. Milky oil? That could indicate a coolant leak—get it checked ASAP.
Brake Fluid
What it does: Transfers force from your foot on the pedal to the brakes themselves.
When to check: Monthly. Replace every 1–2 years, or sooner if braking feels soft or delayed.
How to check:
Locate the brake fluid reservoir, usually near the back of the engine bay.
The fluid should be between the min and max lines.
If it’s low, add the correct brake fluid for your vehicle.
The fluid should be clear or light yellow. If it’s dark or cloudy, it needs to be replaced.
Note: Brake fluid absorbs moisture over time, which can lead to spongy brakes. Never ignore braking issues and know when you need new brakes.
Transmission Fluid (Automatic)
What it does: Lubricates transmission components and enables smooth gear shifts.
When to check: Monthly. Replace every 30,000 to 60,000 miles, or sooner if shifting feels rough.
How to check:
Make sure the engine is running and warmed up.
Engage the parking brake.
Remove the transmission dipstick (if equipped), wipe it clean, then reinsert and remove it again to check the level.
Fluid should be red, amber, or pink. If it’s brown, cloudy, smells burnt, or feels gritty, it’s time to change it.
If low, add the appropriate fluid. Be cautious not to overfill.
Tip: Some newer cars have sealed transmissions. If you can’t find a dipstick, checking the fluid may require a mechanic.
Coolant (Antifreeze)
What it does: Regulates your engine’s temperature to prevent overheating and freezing.
When to check: At least twice a year. Full flush every 2–3 years (or longer, depending on the coolant type).
How to check:
Only check when the engine is completely cool.
Locate the coolant reservoir—usually a clear plastic tank with markings.
Fluid should be between the min and max lines.
If low, add a 50/50 mix of coolant and water unless your car specifies otherwise.
Warning: Be aware of the location of your radiator. Never open the radiator cap when the engine is hot—it can release scalding steam.
Power Steering Fluid
What it does: Makes steering smooth and responsive.
When to check: Monthly. Replace every 50,000 miles (varies by vehicle).
How to check:
Turn off the engine.
Locate the power steering fluid reservoir.
Check that fluid is at the proper level (some caps have dipsticks).
Some reservoirs have hot and cold markings—check according to your engine’s temperature.
Watch out for: Difficulty steering or a whining noise when turning could mean low fluid or a leak.
Windshield Washer Fluid
What it does: Keeps your windshield clean and ensures visibility.
When to check: Monthly—or more often in messy weather.
How to check:
Open the cap to the washer fluid reservoir (usually marked with a windshield icon).
If the level is low, top it off.
In warm weather, use a bug-removing fluid. In winter, use a solution with antifreeze properties to prevent freezing.
When to Visit a Professional
While regular fluid checks can prevent many issues, some problems need a pro. Schedule a visit to your mechanic if you notice:
Leaking fluids under your car—these often appear as puddles or drips.
Unusual noises—squealing, grinding, or whining sounds could point to fluid problems.
Smoke from under the hood—could be due to leaking oil or overheating coolant.
And don’t forget, keeping your fluids in check is just one part of car maintenance. Protect your vehicle with the right insurance coverage to safeguard against the unexpected. Safe travels.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Sunshine, salty air, and smooth sailing—now all you need is the perfect snack. Whether you’re captaining a cruiser or just along for the ride, the right munchies can make or break your day on the water. We’ve rounded up easy, packable boat snacks that won’t melt or make a mess. Cooler-friendly and one-hand-approved, these treats are made for smooth snacking, no matter how choppy the waters get.
When you’re planning a boat day, your snack strategy matters. You want food that’s simple, satisfying, and won’t leave sticky fingers or stains. Even better? Snacks that hydrate, energize, and keep everyone happy from dock to dock. Here are some smart picks and tasty ideas to keep you fueled and floating. Add them to the list of what you’re keeping in your boat this summer.
The Snackle Box: Tackle Hunger in Style
What’s better than a charcuterie board? A portable one that fits in a tackle box! The “snackle box” is the ultimate grab-and-go boat snack solution. Use a clean, compartmentalized tackle box to store bite-size snacks like:
Cubed cheese
Deli meats
Baby carrots and sliced cucumbers
Grapes or apple slices (toss in lemon juice to prevent browning)
Trail mix or mixed nuts
Hard-boiled eggs (pre-peeled)
Make it fun and colorful and be sure to keep it chilled in your cooler. Bonus: it’s easy to pass around and keeps everything in its place—no balancing acts needed.
PB&J Pinwheels: A Classic with a Twist
Take the beloved peanut butter and jelly sandwich to the next level with pinwheels that are perfect for one-handed snacking.
How to make them:
Flatten sandwich bread with a rolling pin.
Cut off the crusts.
Spread peanut butter (or almond/sunflower butter) and jelly on the same slice.
Roll it tightly, then slice into bite-size spirals.
Secure with toothpicks and pack them in a sealed container.
You can also do a quick version using crackers—just top with PB&J for an easy snack.
Pasta Salad in a Cup
Portion pasta salad into small, lidded containers for a satisfying, no-mess meal. Choose a pasta that holds its shape, like rotini or bowties, and toss with your favorite ingredients—think cherry tomatoes, olives, diced veggies, and cheese cubes. Keep it light with a vinaigrette dressing that won’t congeal in the cooler.
Muffins: Sweet or Savory
Muffins are an ideal boat snack—easy to hold, not too messy, and totally customizable. Try lemon poppy, blueberry, or even savory cheddar. Bake ahead using this master muffin recipe from Sally’s Baking Addiction and get creative with the mix-ins.
Walking Tacos: Boat Edition
Want something warm and hearty? Walking tacos are a hit for all ages. Prep the taco meat in advance (ground beef, turkey, or black beans with seasoning) and store it in a thermos to keep it hot.
What you’ll need:
Single-serving chip bags, such as Fritos or Cool Ranch Doritos (avoid the regular variety which can stain orange)
Taco meat in a thermos
Small containers of shredded lettuce, cheese, diced tomatoes, olives and sour cream
When you’re ready to eat, crush the chips in the bag, then slice it open down the side. Spoon in the taco meat and let your guests add the toppings of their choice. The chip bag is the bowl—no plate required!
Thermos Dogs: Hot Dogs That Stay Hot
Yes, you can have hot dogs on a boat—without the grill! Just place cut-up hot dogs in a wide-mouth thermos and pour boiling water over them before sealing. By lunchtime, you’ll have warm dogs ready for buns or toothpicks. Simple and satisfying.
Cooler Treats & Hydration Hacks
A good cooler is your best boating buddy. Fill it with snacks that refresh and rehydrate, such as these that you can prepare the day before.
Fruit kabobs: Skewer chunks of watermelon, pineapple, strawberries, and melon for a grab-and-go option.
Frozen grapes: A naturally sweet, refreshing treat.
DIY popsicles: Freeze lemonade with sliced fruit in plastic cups, insert popsicle sticks, and enjoy them as they melt.
Water bottles: Freeze a few the night before—they’ll keep your cooler cold and melt into ice-cold drinks.
What to Skip
Some snacks just aren’t boat friendly. Avoid these to keep your deck—and your day—clean:
Bananas: Call it superstition, but many boaters believe they bring bad luck. Better safe than sorry!
Chocolate and sticky candies: They melt fast and make a mess.
Stain culprits like red wine and Kool-Aid: One spill and your deck may never forgive you.
Pro Tips for Onboard Snack Success
Storage matters: Use zip-top bags, silicone pouches, and plastic containers with tight lids.
Pack extras: Boating builds appetites!
Bring wipes and napkins: Even with tidy snacks, clean-up is a must.
Stay shaded: Keep your cooler out of direct sun to maintain freshness.
Bring plenty of water: Dehydration sneaks up quickly on the water.
Don’t Forget to Protect Your Boat
While you’re packing snacks and sunscreen, make sure your boat insurance is up to date, too. A good policy helps protect you, your passengers, and your vessel from unexpected mishaps—whether it’s a rogue wave or a run-in at the dock. California Casualty offers customizable coverage options for boat owners, so you can relax and enjoy every moment on the water. Smooth sailing and happy snacking!
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
