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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.

For home safes, 30 minutes of protection is most common, although you can also find safes that offer one or more hours' worth, typically with higher price tags.

Generally speaking, 30 minutes should be sufficient, Bonsib says.

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This information should be on the safe itself, and you might see it on the packaging as well.Dale Soos, an engineer with Intertek, says his organization confers a "verified" mark on safes that meet their manufacturers' criteria for water resistance.Some safes are submerged to simulate the effects of a flood or broken water line.Your basement could be better from a fire-protection standpoint; there's usually less down there to burn, Soos says.But if your home is located in a flood-prone area, the safe might be at greater risk in the basement.

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