Residents of Hawaii believe that Pele, the Hawaiian goddess of fire, inhabits the Kilauea Volcano. Local legend bestows a great deal of power on Pele, and it is little wonder, given how powerfully destructive an out-of-control fire can be. Blazes can lead to thousands of dollars in property damage, and, for those without sufficient fire insurance, this can be devastating. It is therefore in your best interest to review your currently held policies to ensure that your coverage limits are high enough. If not, it may be time to start reviewing fire insurance quotes from other providers so you can obtain sufficient coverage at an acceptable rate.
Fire insurance is a specialized form of property insurance. It is usually included with the policies you already carry. This insurance can compensate you for the costs associated with the repair or replacement of your property if it sustains damage in an uncontrolled blaze. If you have a homeowners or auto insurance policy, you most likely have coverage against fire damage. You just need to make certain that the coverage limits you have are high enough.
You can do this by quickly reviewing your currently held policies. It may have been a while since you purchased your policies, and the value of your personal property may have gone up significantly since that time. In such a case, it is in your best interest to increase your coverage accordingly.
The good news is that most residential fires are small and quickly contained. Unfortunately, a fire can sometimes get out of control and cause excessive damage to your home and the property kept within. Fortunately, the fire insurance included in your home policy can compensate you for your losses, up to your coverage limits.
You do not need to be a homeowner to get coverage against fire damage. The type of dwelling you live in and your ownership status will determine which type of policy you need to have in order to be covered:
These insurance policies can also cover the costs associated with temporary housing if a fire renders your home uninhabitable. Regardless of what type of policy you have, it is a good idea to revisit your coverage every three to five years to make sure that your coverage limits are high enough.
Your personal vehicle can be an expensive investment. If you still owe a lot for it or would have difficulty replacing it due to fire, insuring it properly is a very good idea. The type of coverage you should have depends on whether you want to protect your vehicle against collision-related fire or non-collision-related fire:
Drivers in HI need only carry liability insurance and personal-injury protection. Therefore, if you purchased a policy that only meets the state’s requirements, you will not have collision, uninsured/underinsured driver or comprehensive coverage as part of your car or truck insurance package. If you want complete coverage against fire damage, you will need to add these additional coverage options to your policy.
If you would like help reviewing your current fire insurance coverage, you can contact one of the many independent insurance agents in the Trusted Choice® network. These agents can explain the fire coverage you already have and, if deficiencies exist, can advise you about ways to improve your coverage. These agents can also help you find and compare competitively priced policy quotes that meet your coverage needs.
There are several Trusted Choice agents located right here in Hawaii. Get more information and start comparing fire insurance quotes by contacting an agent near you.