Fire extinguisher - Insurance discount?

Hi,
as I have already found out, smoke detectors are mandatory in many federal states for new buildings, but not fire extinguishers. Are there insurance policies for my house that might offer a discount if I voluntarily equip the apartment with fire extinguishers?

no

we ourselves have voluntarily installed one

Hello,

Are there insurances for my house that might offer a discount if I voluntarily equip the apartment with a fire extinguisher?

If such a thing exists, then the paid maintenance intervals (probably every 2 years, for example the website of the company roth-brandschutztechnik) will certainly be a financial issue. Without proof of maintenance, it probably won't work. A 6-kilogram fire extinguisher (typical household powder extinguisher, fire classes A, B, C) now costs around 30 to 40 euros at the bookstore, the maintenance will probably be about 20 to 30 euros. The rest is then a matter of calculation when it comes to pure savings.
As for your own safety, such an extinguisher does not replace the fire brigade but can extinguish smaller incipient fires. For the really big things it is completely useless. The 6 kilograms are gone within 15 to about 23 seconds; you should preferably have practiced with it beforehand at the local volunteer fire brigade. Just ask politely, that’s what we’re here for. We do this as part of fire protection education and awareness. And please NEVER use one to extinguish a grease fire in the kitchen, never use water either. The typical powder extinguishers cannot handle everything!

Kermit

Strange, but I know it as that powder extinguishers are actually suitable for grease fires. You’re not allowed to use foam extinguishers because of the water content...

It’s just a mess in the kitchen afterwards...

I have a fire extinguisher - and also the smoke detectors - not because they are mandatory but because in case of doubt they save the lives of my family. Money plays absolutely no role in this!

Hello,

Strange, but I know that powder extinguishers are actually suitable for grease fires.

If necessary, that works too, but in such a life-threatening situation, people tend to act without thinking, “just spray heavily,” thinking “more is better,” and then it might splash anyway. Once the grease is nicely spread out in droplets, it can breathe well and then it starts. The fire itself is almost harmless; the problem is that during the attempt to extinguish, the grease should not be splattered. When we demonstrate this in front of an audience with an old pot, the flames are about half the height of the pot.
There are special foam extinguishers suitable for grease fires, which are found in the fast food sector. If you are “lucky,” you die in such a fire; otherwise, you suffer severe burn injuries to the face and upper body. That may sound harsh, but it is meant seriously. A face disfigured for life is a social death sentence.

A grease fire is put out calmly and without water. Put a lid on the pan or a wool blanket over it, and the fire is immediately suffocated without oxygen. Then wait. Don’t forget to turn off the stove. It works without any problems. Our older son (he was 17 at the time) once caused such a fire and CAREFULLY carried the pot out onto the terrace; all’s well that ends well, nothing happened. He told me afterwards that he had always heard from Dad how to put out a grease fire, but he couldn’t find a blanket, and the idea of a blanket didn’t occur to him.
Pans and pots are fireproof by nature, so just leave the fire in there. The flame—and you really have to be careful with this—can set the range hood on fire. Putting a lid on it is the quickest method of all. The cookware is within reach and can be grabbed quicker than the extinguisher that might be hanging in the basement.
We demonstrate this every year, and it always goes well. A cup of water creates a several-meter-high flame column.

Kermit