Fire damage is one reason why people opt to have home insurance, though many homeowners may not realize that they are putting themselves at risk when trying to stay warm this winter.

A recent report from Liberty Mutual and the International Association of Fire Fighters notes that many people may not realize that some of the things they do to keep the cold away may also end up hurting them. For example, a 2006 survey from the two groups showed that about 25 percent of responding adults considered space heaters to be a safe piece of equipment.

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