My impression is that the oil filled electric radiators are safer than non oil filled ones, which get very hot and can start combustible things on fire (eg curt

My impression is that the oil filled electric radiators are safer than non oil filled ones, which get very hot and can start combustible things on fire (eg curtains). Whereas the main danger from oil filled radiators is overloading circuits/extension cords, especially with older or less than solid connections. That design is certainly bad for shock/electrocution risk, but how much does that really move the needle on property insurance claims?