A fire can be devastating, and it does not discriminate. Even a small fire can do a lot of damage, and when a fire gets out of control, it can lead to a total loss. In 2009, Louisiana had a death rate of 14.7 for residential fires and a total of 1,441 reported wildfires. Many times, a destructive fire can be prevented, but once you see the smoke and feel the heat, it is often too late. Louisiana fire insurance can help protect your finances in the event of a disaster.
This is a form of insurance that will provide coverage for your home and personal belongings in the event that they are damaged during a fire. If you own your home and have a comprehensive homeowners insurance policy, fire-damage is listed as one of the specific covered losses. If you live in a condominium, it is likely that your condo insurance also includes fire loss coverage. If you rent your home, you can cover your personal belonging against fire damage with a renters insurance policy.
Understanding how fire insurance works is important, but what is more important is understanding how to prevent fires in the first place. There are several things that are most commonly responsible for starting residential fires:
Installing smoke detectors is a great way to help you detect a fire that you cannot see. Having fire extinguishers throughout your home can help you control a fire in its early stages. If the fire is already out-of-control, be sure to have pre-determined exit routes. Making it out safely with all your family members is your top priority. If your house or personal belongings are destroyed, call your insurance company.
In Louisiana, all home insurance claims must be settled within 30 days. Of course, the local police or fire department can halt payment on your claim if arson is suspected. Your compensation will be based on the amount for which you insured your home and personal belongings. You may want to consider insuring your home and its contents for their replacement costs rather than their actual cash value. It may add a few dollars to the cost of your premiums, but if a fire turns everything to ash, you know you are fully covered.
Fire is one of the most destructive forces in nature, so it pays to have a Louisiana fire insurance policy. You may have concerns about buying enough coverage or finding competitive rates, but when you work with a Trusted Choice member agent, you can rest assured that you are in good hands. Your agent will help you ensure that you have suitable coverage for your home and property.
Local member agents can help you compare policies and options and will provide you with a variety of competitively-priced Louisiana Fire Insurance quotes so that you can find the best coverage for your home. Your agent may even be able to get you discounts based on fire safety installations in your home. Contact a local independent agent in the Trusted Choice network today to get customized coverage against fire damage.