North Carolina Fire Insurance

North Carolina Fire Insurance Helps You Rebuild

Find the right fire insurance policy for you.

Residents of The Old North State have seen their share of wildfires. More than 23,000 acres have burned during previous years, including residential areas. A fire in the home can spread from any number of causes: cooking, smoking, electrical problems, heating, and natural causes such as lightning. Most fires start and end small, but when they get out of control, the results can be devastating. You can protect your home, car, boat, and other investments with North Carolina fire insurance.

An independent insurance agent in our network can help you find out how much fire insurance you need, and can make sure you have enough coverage to rebuild your home and replace your belongings after a fire. Contact a local agent today to compare North Carolina fire insurance quotes that fit your lifestyle and budget.

Fire Is a Costly Disaster

  • House fires cost Americans $6.7 billion annually
  • The average cost per residential fire was $18,248
  • The average cost of fire damage to a home without sprinklers is $45,109
  • The average cost of fire damage to a home with sprinklers is $2,166

The majority of house fires cause localized damage and require small repairs. Having sprinkler systems, fire alarms, and an escape plan can save lives and minimize destruction. If your home is a total loss, your North Carolina fire insurance can provide the funds you need to rebuild. A member agent can discuss your home and other property with you to help you make sure you have the right amount of coverage.

How Do I Buy North Carolina Fire Insurance?

You probably already have fire insurance through your current policies. Your homeowners insurance, car insurance, boat insurance, or business insurance usually includes coverage for fire damage. Here is a breakdown of the coverage you may need:

Homeowners insurance: Your homeowners policy includes structure and contents coverage for loss from fire, storm, and other disasters. You only need to ensure that the amount listed on your policy is current with the value of your home. If homes in your area have increased in value, or if you have made additions and improvements to the house, it may be time to increase your level of coverage. You can choose to insure for actual cash value, which takes depreciation into account, or replacement value, which provides funds equal to the cost of repurchasing your home and its contents.

Renters insurance: If you rent or lease your home, you are responsible for the cost of replacing any valuables you lose in a fire. Renters insurance can provide the funds you need to replace appliances, furniture, clothing, and electronics.

Car insurance: A comprehensive car insurance policy will cover the loss of your car from fire, even if it occurs while the car is parked in the garage. Like homeowners insurance, you can choose actual cash value or replacement value coverage for a slightly higher premium.

Business insurance: Your business policy provides coverage for your inventory, buildings, cash, and equipment if they are damaged in a structure fire. It is important to keep your policy current as your business grows and property increases in value.

Boat/ATV/snowmobile insurance: Any toys you use for work or play have fire coverage if you keep a comprehensive insurance policy.

An independent agent can discuss your property and concerns and give you tips on keeping your rates low with fire safety improvements, such as sprinkler systems for your home and business.

Keep Your Home Fire-Safe

Some of the best ways to minimize fire risk include the following:

  • Keep fire alarms in every room, with fresh batteries
  • Install a sprinkler system
  • Keep fire extinguishers charged and accessible
  • Plan a family escape route
  • Train children on fire safety
  • Update old electrical wiring

Protect Your Investments with NC Fire Insurance

No one can predict when a fire will take place, but with the right amount of North Carolina fire insurance, you don't have to worry about the cost of rebuilding. An independent agent in our network offers personalized service, to help you assess your insurance needs and find rates that fit your budget. A local agent can also help you combine the many types of coverage you need into one bundle so you can save money and time. 

Contact a member agent today to start comparing North Carolina fire insurance quotes tailored to your needs.

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