If you're a resident of Idaho, you reside in one of the most beautiful states in the nation. From picturesque mountain landscapes to a vibrant, lively arts community, Idaho is one of a kind. The state is also notorious for fires. Idaho is one of the top states for wildfires. When a drought or the dry season hits, the hills and plains go up in smoke, so it's crucial to remain aware and prepared in case of a fire. One major way to protect yourself is to have adequate fire insurance covering you home, business and assets. Find out more about how to get quotes and coverage in case of a fire.
Idaho is notorious for wildfires. These fires start with a simple spark or dry heat and quickly burn out of control. Many times, fire departments arrive too late to control the entire fire, and putting out the blazes becomes a long, dangerous, evolving process.
House fires also start easily and do damage quickly. Awareness and quick response are crucial to putting out a house fire. It's also important to protect your home before a fire by installing smoke detectors, fire extinguishers and sprinkler systems in commercial locations. Additionally, having well-marked exits, along with a posted fire escape plan, is critical to getting people out quickly and safely during a fire.
Once everyone is safe and the fire is out, you can repair the damage. Having fire insurance protecting your Idaho home or business is best way to recover after a devastating blaze.
The sole purpose of fire coverage is to provide protection for your belongings and assets in case of a fire. You probably already have fire insurance if you carry any of the following policies:
As you can see, some policies typically include fire damage. Always make sure that your insurance limits adequately cover your assets so if a fire does happen, you won't be paying out of pocket.
Many people believe that their homeowners insurance will cover their car, truck, boat or RV. Unfortunately, the specifics of your policy may rule out these items unless you store or house them in the home's garage. In order to get fire coverage for these items, you must have comprehensive insurance. Insurers typically require this insurance at the time of purchase to protect their investment and yours. It covers "everything other than collision." However, once the loan is paid, this insurance is optional. If you don't keep comprehensive insurance on these items, you most likely will not have coverage in case of a fire.
Unfortunately, insurance does not cover some fires. It's a wise idea to be familiar of policy exclusions before a fire occurs. Fire insurance may not cover fires under the following circumstances:
Fire insurance will vary depending on which asset you're looking to insure. When searching for fire insurance, be sure to have general information about the item available so your agent can give you accurate quotes. Some of the questions they may ask are the following:
Insurers consider all of these factors plus more, depending on the item, before giving you quotes.
There are, typically, many discounts available on fire insurance policies. These discounts help you save money, while also giving you the coverage you need. Every insurance agency offers different discounts, so be sure to ask about all available discounts. Usual discounts include the following:
You may be eligible for many of these discounts, so always be sure to ask about any discounts that you may not be taking advantage of.
When shopping for fire insurance to cover your assets, having a knowledgeable professional on your side is a huge advantage. A Trusted Choice® agent is always available to answer questions, suggest coverage and even help you file a claim.
Contact your neighborhood Trusted Choice agent for quotes and help getting coverage.