Fires are one of nature's most dangerous weapons. Whether it's a house fire or wildfire, a fire can destroy a home and property in seconds. The state of Alabama, with its large amount of timbered acreage, falls victim to fires quite often. As a resident of Alabama, you should do what you can to prevent fires, including having fire extinguishers available in the home, having smoke detectors in every room, keeping a clean yard and being fire aware while going about your daily routine. You should also make sure you have fire insurance protection in case of a fire. But before you start looking for quotes, read the information below for insights on what you should know before getting fire insurance.
When it comes to living in a state that is so accustomed to fires, it's important to be knowledgeable about fires in order to protect yourself, your family and your assets from a blaze. Alabama State Fire Marshal Ed Paulk has said that the recent spike in fires and fire deaths "has alarmed me to the point where I'm keeping track on a daily basis."
You most likely already have fire insurance. Standard insurance policies such as the following include fire insurance protection:
Unfortunately, there are circumstances when an insurance company will deny coverage after a fire. Here is a list of circumstances that can lead to your insurer denying your claim:
Depending on what type of policy you're looking for, prices will vary. Additionally, you will need to know some basic facts about what you want to protect in order to get fire insurance to cover your possessions. Make sure you become familiar with the following before getting quotes:
This is a very basic list. When you call to get fire insurance policy quotes, your agent will ask you many more questions in order to get a policy best suited for you.
Many insurers offer subscribers discounts. These discounts may include the following:
Always be sure to ask about any discounts you may not be aware of to make sure you're getting the best price available.
When you're searching for fire insurance quotes, it's a wise idea to have a professional by your side who knows the risks you face, along with your coverage preferences. A Trusted Choice® agent is always available to help you find coverage, suggest discounts or even help you file a claim.