The Heater That Was Too Close to the Curtain

Every winter, Australian emergency services respond to household fires sparked by a simple mistake: placing a portable heater too close to flammable materials like curtains, bedding, or clothing.

While a modern heater may have automatic shut-off switches if tipped over, the primary danger is often radiant heat build-up. If a portable heater is left positioned near a curtain over several hours, the fabric can slowly bake, reach its ignition temperature, and catch fire without the heater ever directly touching it. These fires spread rapidly up walls and ceilings, causing catastrophic property damage within minutes.

Key Winter Fire Safety Rules for Space Heaters

To protect your home or business, follow these essential safety guidelines from Australian fire authorities:

• The Two-Metre Rule: While historical advice was to keep items one metre away, Fire and Rescue services now officially recommend maintaining a two-metre gap between portable heaters and flammable items like curtains, furniture, or clothes airers.

• Plug Directly into the Wall: High-wattage space heaters should never be plugged into power boards or extension cords, which can easily overheat and cause electrical fires.

• Never Leave Heaters Unattended: Turn off all portable heating units before going to bed or leaving the premises.

Does Home and Contents Insurance Cover Fires Caused by Heaters?

Yes, standard home and contents insurance policies in Australia generally cover accidental fire damage, including fires started by portable heaters. However, there are critical nuances you must be aware of:

Critical Insurance Note: Accidental vs. Reckless Damage

While an accidental oversight is typically covered, if an insurer determines that a policyholder demonstrated gross negligence or ignored manufacturer safety instructions repeatedly, it can complicate the claims process.

Furthermore, if a fire forces you out of your property, a comprehensive home policy can cover the cost of temporary accommodation while repairs take place. If you are a business operator, a fire could disrupt your revenue, which highlights the vital importance of holding Business Interruption insurance alongside your physical property cover.

Need Help Reviewing Your Cover?

If you would like to understand how your policy responds to emerging risks or review your current insurance arrangements, the team at All Risk Protection would be happy to assist.