Arizona is known for its dry, hot climate. And during most of the year, the state remains on high alert for fires. Fires spread quickly in the state, and even a small spark, such as from a cigarette or an engine, can burn out of control within minutes.
While many believe that the flat land in AZ doesn't leave much for fires to burn, the state is home to six national forests that readily come under attack by wildfires on an almost yearly basis.
Whether in downtown Phoenix or in the rural areas of the state, a fire can still take its toll. Fires can be devastating, and once the fire has burned out, having fire insurance in place is one of the most important ways to make sure you get the repairs you need for your home and belongings.
When it comes to fires, the damage extends well beyond just what's burned. Smoke can cause damage, as well as the fluids that firefighters use to put out fires. Additionally, fires can impact landscapes for decades.
Whether you have just moved to Arizona, or have been a resident all your life, if you own a home, fire insurance is required by law. Fire insurance is part of your homeowners insurance, and helps you recover after a fire.
Fire insurance is part of your typical homeowners insurance policies. Fire insurance covers the damage from fires, and allows you to get help repairing your home and belongings. A typical homeowners policy that includes fire insurance will include the following:
If a fire breaks out in your home, and your car, boat, trailer, or ATV are damaged, unless you have comprehensive coverage, your insurance will most likely not cover the damage.
Comprehensive insurance is better known as "everything other than collision." This insurance is required by lenders when you purchase a vehicle or boat, and covers events such as fire, wind, theft, and arson. If you purchase the item outright, however, this insurance is optional. In a fire-plagued state such as Arizona, it's a wise idea to have this insurance to cover your assets.
When you own a business in Arizona, you're required to have many insurance policies, one of which is business insurance. This policy can protect your property, equipment, assets, and stock from damages related to fires. It's extremely important to keep this insurance policy updated to ensure that your business and valuables properly covered.
When it comes to insuring your home against fires, it's important that you get enough coverage. One way to ensure you get enough protection is to do a home inventory. A home inventory will give you an estimated value of your belongings so you can purchase enough coverage to make sure you're completely covered. This process entails going through each room and writing down all the belongings in that room, whether it's appliances, electronics, furniture, or socks.
Attach a value to every item. Make sure to write down any serial numbers, and take pictures of expensive items. Get a total for each room. Once you've done the whole house, add the totals together and double it. This will give you a total that reflects the coverage that would replace all of your items.
Fires can happen to anyone. Here are some steps to take to do the most you can to protect yourself from fires:
It's important to do your part in protecting your home from the danger of fires.
Sometimes insurance companies deny coverage for fire damage. Here's a brief rundown of instances that are likely to lead to denial of a fire insurance claim:
When it comes to getting fire insurance, it's important to get the right coverage for your family. A Trusted Choice® agent is always available to help you discuss coverage options, suggest policies, or even help you file a claim.
Your agent has years of experience working with Arizona insurance providers, and can find you a number of quotes from a variety of companies. You will only receive those quotes with the best coverage at the most affordable rates. Contact a Trusted Choice member agent near you to find out how you can fully protect your home with an insurance policy that offers fire protection.