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Here are some of the ways they evaluate them: Fire resistance Fire is the No. The National Fire Protection Association says that during an average lifetime, there's a one in four chance of experiencing a household fire large enough to warrant calling the fire department.

1 concern of most buyers, according to Greg Bonsib, director of brand management at Sentry Safe, a major manufacturer in Rochester, N. UL and Intertek rate fire-resistant safes in terms of what type of material they'll protect and how long they'll protect it.

For a wider selection, and possibly more knowledgeable sales help, you can go to a store that specializes in safes.

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Larger safes cost more, and accessories like drawers and shelves can add to the bill.

Where to buy one You can find home safes at such retailers as Home Depot, Lowe's, and Sears, as well as online at Amazon.com, among other sites.

Dale Soos, an engineer with Intertek, says his organization confers a "verified" mark on safes that meet their manufacturers' criteria for water resistance.