In a matter of moments, a fire can cause devastating damage to your home and your valuable items. It is important to assess the losses that might occur in a fire, no matter which part of Illinois you call home. While you can take steps to lessen your risk of fires, these disasters are often unpredictable. Illinois fire insurance is vital to protect your assets.
When a fire happens, you may only sustain damage to a certain area of a dwelling – or you can suffer a total loss, including all valuable possessions. Because of the damaging nature of fires, it is important to gather Illinois fire insurance quotes before you are confronted with great loss. Evaluate your coverage needs with an independent insurance agent in your neck of the woods.
- During previous years, Illinois had a fire-related death rate of 8.4 per million people.
- Recently, the Midwest suffered fire deaths, injuries and property damage at a greater rate than the national average.
If I Have a Homeowners Policy, Don’t I Already Have Fire Coverage?
Homeowners insurance is designed primarily to protect you from financial loss if you lose your home or suffer significant damage due to a disaster. An average policy generally covers the cost of repairing or replacing your home to its original condition, plus about 50 percent of the policy limit for the value of belongings inside the home. For many families, this average policy will not be enough to replace all lost belongings after a fire.
If you are a renter and live in an apartment or condominium, you may find it wise to get a renters insurance policy. Renters insurance can protect against loss if a fire damages possessions in your apartment, condo or townhome building. Contact a member agent in our network in your area to determine your fire risk and whether you need coverage.
What if My Car Is Damaged by Fire?
Cars are not immune to fires – whether from engine malfunctions or as a result of a home fire. While the state of Illinois requires a minimum level of liability insurance on your car, your car is protected from fire damage or loss only if you have a fully comprehensive policy on your vehicle. Without the proper coverage, you may find yourself unable to replace a vehicle damaged by fire. Find an independent agent in our network to assess your fire insurance needs.
Do I Need Illinois Fire Insurance?
Because the risk of fire in your area can vary, the cost of fire coverage can vary widely as well. Risk factors include the location, age and value of the home, how it is heated (natural gas, fireplace, stove, etc.), and proximity to risky fire materials like forests or heavy brush. Homes located near forests or brush are more likely to experience a fire. That said, homes in urban, non-forested areas still have a risk for fire from electrical problems. Whether you own a home or are a tenant, if you want to be covered in case of a fire, you need Illinois fire insurance.
How Do I Get Illinois Fire Insurance Quotes?
A local independent agent knows your community’s fire risk and can help to assess the amount of coverage you need. The agent you work with can research dozens of companies to find you competitive rates with the appropriate coverage. In the event you need to file a claim, your agent will be there to help you through the whole claims process.
Contact a local agent in our network today to begin comparing Illinois fire insurance quotes.