How Indoor Charging Can Spark Big Trouble - Millers Mutual Insurance

Education
July 3, 2025

How Indoor Charging Can Spark Big Trouble

Education
July 3, 2025

How Indoor Charging Can Spark Big Trouble

Education
July 3, 2025

How Indoor Charging Can Spark Big Trouble

E-bikes, scooters, and other battery-powered devices are part of everyday life for many tenants. But storing or charging them indoors can lead to serious fire hazards. If a battery fails, the fire can spread quickly, especially in a multifamily building.

That’s why it’s so important for landlords and property managers to understand the risks and how to manage them.

Why Lithium-Ion Batteries Are a Fire Hazard

Lithium-ion batteries power everything from smartphones to power tools to electric bikes. They’re efficient and compact, but when damaged, overcharged, or improperly stored, they can overheat and catch fire. These fires burn hot, spread fast, and are difficult to put out.

In multifamily housing, the danger is even greater. When a fire starts inside an apartment, it can quickly threaten the safety of everyone in the building.

Common Risk Factors

Many battery fires can be traced back to how the device is charged, stored, or maintained. These risks aren’t always obvious, but they’re often preventable.

  • Using off-brand or incompatible chargers can lead to overheating and battery failure.
  • Leaving devices charging overnight or unattended increases the risk of unnoticed fires.
  • Continuing to use damaged or swollen batteries raises the chance of sudden ignition.
  • Storing devices near doors or in hallways can block exits and create life safety hazards.
  • Relying on outdated or incomplete fire codes means some buildings may not be equipped to manage these risks.

How Landlords Can Reduce Risk

You may not be able to prevent tenants from owning battery-powered devices, but you can take steps to reduce the risk they pose.

  • Share battery safety tips from trusted sources like the National Fire Protection Association to help guide tenants to safer charging and storage habits.
  • Encourage proper charging practices by recommending certified chargers, unplugging devices once fully charged, and never charging them overnight or while you’re away.
  • Post signs in common areas asking tenants not to charge devices in hallways, stairwells, or near exits.
  • Create safer charging options like designated outlets or fire-resistant storage containers in garages or basements.
  • Inspect common and private areas regularly to spot blocked exits, damaged cords, or signs of unsafe storage.

Education and regular maintenance are your best tools for preventing fire hazards before they start.

Protection Options for Landlords and Tenants

Even with the right precautions, accidents can happen. Millers Mutual offers protection that helps landlords and tenants reduce their financial risk in case of fire-related damage.

For landlords:
Millers offers multifamily coverage that helps protect your building if a tenant’s device causes a fire. You’ll also have access to experienced claims support that can guide you through the recovery process and help minimize downtime.

Need to file a claim? Start here.
Want to help tenants get covered? Learn about Protect Advantage.

For tenants:
Renters insurance can help cover damaged belongings and temporary living expenses if a fire forces them out of their unit. Millers also offers Protect Advantage, a resource that helps tenants understand their coverage and feel supported before, during, and after a loss.

Looking for coverage? Get renters insurance.

Battery Safety Is Everyone’s Responsibility

As e-bikes and other devices become more common, so does the need for clear safety practices. Remind tenants how to charge and store batteries safely. Walk your property regularly. Take a fresh look at your coverage.

Small steps now can help prevent costly damage later. If you have questions or need help reviewing your policy, reach out to your Millers Mutual representative.

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