A properly functioning smoke detector can literally mean the difference between life and death. It's a requirement in Georgia to have a fire alarm in every home. However, one usually isn't enough.
It's a good idea to install a smoke detector on every floor in the home as well as outside of each sleeping area. This will help ensure the alarm will wake people up if they are asleep.
As Georgia Insurance and Safety Fire Commissioner John Oxedine notes, many home fires occur during the evening hours.
"Most fatal fires start between 11 p.m. and 6 a.m., while the family is asleep" says Oxendine. "Nine out of 10 fire victims are already dead before the fire department is even called, mainly from smoke and toxic gases."
The National Fire Protection Agency says that nearly 3,000 people die each year in a home fire. This highlights the importance of having a life insurance policy, even if one doesn't work in a dangerous occupation or engage in hazardous activities on the regular basis. A deadly home fire has the potential to happen at any time.