Fire is one of nature's most vicious forces. It destroys quickly, and even the materials that are not burned may still be damaged by smoke or excessive heat.
Delaware is no stranger to fires. From wildfires to electrical and cooking fires, the state has experienced all of them. One surprising fact is that Delaware trains more volunteer firefighters than anywhere else, and has saved the state over $300 million per year in paid firefighter salaries.
Even though Delaware has a strong firefighter force, fires still happen. It's important that when they do, you stay safe, and know that your belongings are covered by fire insurance.
Fires are one disaster that can occur at any place, at any time, whether it's an electrical fire, cooking fire, wildfire, arson, or vehicle fire. You can always do your best to protect your home and car from a fire, but if one happens, having fire coverage on your homeowners and car insurance will be the best way to get your belongings repaired or replaced.
Fire insurance is typically a rider on your existing policies. Current policies that you may have that already contain fire insurance may include the following:
With all of these policies, it's important that you review their coverage in regards to fire damage and smoke damage, to be sure that the total value of the assets is covered.
Just like every other type of insurance, there are instances when a fire will not be covered. Here is a quick rundown of circumstances that are not covered by fire insurance:
It's important to protect yourself from fires before they occur. Having an emergency plan in place, along with fire extinguishers throughout the house and smoke detectors in every room, are all important factors in keeping your home protected.
Protecting your home from wildfires is also important. This includes trimming dead branches and leaves off existing landscaping, keeping dry brush away from the home, and having hoses at the ready.
Unfortunately, even the most cautious owner can fall victim to a fire. If a fire happens to you, here is some information to have handy for your insurance agent:
When searching for quotes on fire insurance - in the form of comprehensive car insurance and homeowners coverage riders - your agent will need to gather some basic information about you and your home. The following list includes a few of the questions that may be asked before giving you a quote:
When it comes to protecting your automobiles, trucks, boats, or ATVs, you will also need to answer some basic questions:
In order to ensure that the policy covers you sufficiently, all of these questions will be asked before you can obtain a quote.
Fire is a very real danger for every homeowner or auto owner. Most likely, you or someone you know has been through a house fire. When shopping for fire insurance quotes, it's important to be sure that you're getting the right amount of coverage.
A Trusted Choice® agent is always available to help answer questions, review coverages, or even file a claim. Contact an agent for help finding the quotes and coverage you need.