Tennessee Fire Insurance

Tennessee Residents Need Adequate Fire Insurance

Find the right fire insurance policy for you.

Fires are among the most destructive disasters that home and business owners in Tennessee are apt to face. While many fires are small and easily controlled, some can lead to thousands of dollars in property damage. Unless you have sufficient fire insurance, you may not be able to seek full compensation for the damage to your property. It is in your best interest to know what coverage you already have so you can start comparing fire insurance quotes if you need more coverage for your Tennessee property.

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Recent Tennessee Department of Public Safety Fire Statistics

  • There are currently 828 fire departments and stations in the state of Tennessee.
  • There were 1,062 wildfires in this state.
  • These fires burned more than 19,000 acres.
  • Carelessness with cigarettes is the top cause of residential fires in this state.
  • During previous years, smoke alarms were present in only 28.3% of fatal residential fires.
  • Mobile homes are involved in about 12% of all fatal residential fires in TN.

How To Know If You Have Fire Insurance

Fire insurance, a specialized form of property coverage, is typically included in the insurance policies you may already have. It will reimburse you for the costs associated with the repair, reconstruction or replacement of your property due to damage from a fire. If you have a homeowners, business or vehicle insurance policy, there is a good chance that you have coverage against fire damage. Be sure to check the coverage limits on your currently held policies. The value of your personal property may have gone up significantly since you purchased your policy, and, in such a case, it may be necessary to increase your coverage amounts.

Fire Insurance Can Cover Damage to Your Tennessee Home

Most residential fires are minor, causing minimal damage to the home and its contents. However, a fire can get out of control quickly, and, when that happens, the destruction can be all-encompassing. According to State Master, recent residential fires in Tennessee have resulted in an average of $6,407 in damage. Regardless of whether you rent or own your home, you can get fire insurance to cover your property. The kind of dwelling you live in and your ownership status will determine what type of policy you need to get coverage against fire damage:

  • Homeowners: Homeowners insurance covers traditional and manufactured houses and can provide coverage for both the structure of the home and the contents kept inside. You might need to purchase additional riders to fully cover particularly expensive property such as jewelry, heirlooms and original artwork.
  • Condo or townhouse owners: Your condo association’s master policy will provide coverage for the structure of your building, but you will need a condo insurance policy to cover your personal property. As with homeowners insurance, you may need to purchase additional endorsements in order to cover your more expensive items.
  • Renters: Your landlord will be responsible for covering damage to the structure of your rental home, but you will need to cover your own personal property with a renters insurance policy. These policies are typically very affordable.
  • RV owners: An RV insurance policy can cover you against fires that occur while you are using your RV as a vehicle, as well as while you are using it as a home. This insurance provides coverage for both the vehicle itself and the contents kept within.

Fire Insurance Can Protect Your TN-Based Business

If you own your own business, you may have purchased business insurance coverage to protect it. If so, you have coverage against fire damage. As with home insurance, you will want to be sure that you check your coverage limits in various property categories to ensure that you have sufficient coverage to handle a total loss. If your business has grown significantly since you purchased your policy, updating coverage limits is particularly important. Additionally, if you add lost-income coverage to your policy, your business may be able to collect funds sufficient to cover monthly expenses and employee salaries while your business undergoes rebuilding or repairs following a fire.

Fire Insurance Can Also Protect Your Vehicle

You could experience one of two types of vehicular fires: those caused by collisions and those caused by other forces. If your vehicle sustains collision-related damage, any of the following could cover you for the damage:

  • Your collision insurance
  • The responsible party’s insurance
  • Your uninsured/underinsured motorist coverage if the other driver does not have insurance or lacks sufficient coverage

If the fire results from outside forces such as arson or a fire in the garage where you have your vehicle parked, you will need comprehensive insurance coverage in order to receive compensation. Tennessee’s state minimum auto insurance requirements include liability coverage only. Therefore if you try to save money by buying a policy that only meets the state requirements, you will not have collision or comprehensive coverage. Check your policy to see what kinds of coverage you currently have. If you want full coverage against fire damage, you may need to purchase additional coverage options.

Get Help Reviewing Fire Insurance Quotes in Tennessee

If you would like assistance with understanding your current fire insurance coverage, you can turn to one of the many independent insurance agents in our network. An agent can help you review the fire coverage you have in your currently held insurance policies. If your agent notices deficiencies in your coverage, the agent can help you get quotes for competitively priced policies that can adequately meet your coverage needs. Several agents have offices right here in Tennessee. 

Contact an agent near you in order to get more information and to start comparing fire insurance quotes.

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