With a large population and large forest areas, New Hampshire is susceptible to wildfires. If your New Hampshire home or apartment catches fire, insurance can help you rebuild and help you replace your personal belongings. No matter where in the state you live, make sure you have New Hampshire fire insurance. Let an independent agent in our network review your current policy to make sure you have enough fire coverage. When you work with an independent insurance agent, you’ll receive competitive New Hampshire fire insurance quotes and personal advice before you buy. Contact an agent today.
Recent State Wildland Fire Statistics
- Total number of fires: 318
- Acres burned: 206
- Number of fires caused by arson: 14
- Number of fires caused by debris: 105
- Number of fires caused by smoking: 17
- Number of fires caused by children: 15
- Number of fires caused by campfires: 14
Do You Need New Hampshire Fire Insurance
You don’t need to purchase a separate fire insurance policy if you already have homeowners insurance. Damage to your house and personal belongings is already covered, but it’s important always to take the necessary safety precautions. While many things can cause wildfires, house fires are typically electrically or owner-induced. Hot grease and electrical shortages often can cause kitchen fires.
Fires that occur in the main living area might be a result of forgotten candles or falling asleep while smoking. The most important aspect of New Hampshire fire insurance is setting the right coverage limits. If you aren’t sure how to do that, speak to an agent. Your member agent can help you determine if you have any gaps in your policy and can pinpoint ways to make sure you have the right protection.
How To Protect Your Home
A fire caught in time may only result in smoke damage. If the damage doesn’t exceed your deductible, you are responsible for the repairs yourself. For example, it may take just a coat of paint to bring your cabinets back to life. On the other hand, fire can also be very devastating. If your entire kitchen burns to the ground, it’s time to call your New Hampshire fire insurance company.
Update your homeowners policy every year to reflect the replacement value of your home. If you insure your home at actual cash value, it decreases the benefits you get for repair. Examine your policy for any exclusions or event-specific deductible amounts. If you don’t feel like combing through your entire contract, an agent can help you interpret your policy.
How to Protect Your Personal Belongings
Your homeowners policy will automatically protect a certain percentage of your private property, but it may not be enough. If you have a large amount of property or any valuable items, you could be responsible for the cost of replacing your furniture after a fire disaster. When trying to determine the right coverage amount, take an inventory of each room. Once you’ve developed a total, double it and you have an estimate of how much coverage you need.
Get the Coverage You Need Now
To get an accurate representation of adequate New Hampshire fire insurance coverage limits, speak to an agent. Your member agent can analyze your current policy and make recommendations for improvements. If you want to find a completely new carrier, a member agent can compare policies and get you New Hampshire fire insurance quotes from different insurance companies. Make sure you have the protection you need.
Contact a member agent in your area.