Consider fire-resistant construction materials, especially roofing and cladding. UL Class A roofing materials are most fire resistant. Fire-resistant wood panels are available for lining a fireplace and other applications. Choose noncombustible finish materials in the kitchen.

Smoke alarms should be a battery-powered, combination type to detect fires by either heat or smoke as soon as possible. Plan carefully the placement of fire extinguisher mounting locations.

For a high level of protection, consider installing a lightning rod and grounding system, as well as a residential water sprinkler system. A lightning rod is prudent when the home is in an open area. Sprinkler systems using flexible PEX piping that are integrated with the home plumbing are much less expensive than conventional sprinkler systems.

Many property insurers offer premium discounts for these features.