There is no force of nature that can inspire mass panic like a fire. Easily started, but once established, a fire can get out of control quickly, taking lives and destroying property.
While a fire may destroy property, the effects of a fire, including smoke damage and fire suppression materials, can also cause destruction. For example, if your home is not directly damaged by a fire, but is in the same general area as a fire and sits directly in the smoke's path, your clothes, drapes, furniture, and other items may be affected by the odors from the smoke. Additionally, if your neighbor's home catches on fire, and the fire department begins spraying fire suppressant materials, your home may be damaged indirectly by those materials.
Fire insurance is one very important way to get protected from the damages that a fire can cause.
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Washington Fire Facts
- There were over 355 fires in Washington during 2013.
- During 2013, there were 63 fires in the state of Washington.
- Damages from fires in 2010 caused over $215,429,330 in damages.
Washington has many fires throughout the year. From home fires started by neglected chimneys, to wildfires and arson, the state has very busy fire departments. Chances are, you or someone you know has been affected by a fire. It's important to make sure that your belongings are properly covered in case of a blaze.
What Is Fire Insurance in Washington?
Fire insurance is not a policy on its own. Fire insurance is built into many of the policies you already have. Below is a list of insurance policies you may have in place that have fire coverage included:
- Homeowners insurance: Your homeowners policy includes coverage to help protect both the structure of the home, and the contents as well. One large concern when it comes to home insurance is being sure that your homeowners policy offers high enough limits to cover all of your belongings and your entire home value.
- Renters insurance: If you rent your home, renters insurance can offer you protection from fire. Many renters believe that their belongings are covered by the landlord's policy, however, this is typically not true.
- Car insurance: If you only carry liability coverage on your vehicle, you are not covered if a fire damages your car. Comprehensive insurance, typically required by lenders, is the policy that will specifically cover fires.
- Business insurance: Just like a homeowners insurance policy, business insurance is designed to help protect your business's property, assets, and day-to-day operations from the ravages of a fire.
- Boat/ATV/snowmobile insurance: Any toys you own have fire coverage if you keep a comprehensive insurance policy in place.
When Is a Fire Claim Denied?
When it comes to fires, unfortunately, there are circumstances where a claim may be denied. The following is a list of circumstances that may lead to the denial of a claim:
- The homeowner refused to call 911.
- The homeowner did not have fire suppressant equipment in the home (such as a fire extinguisher, smoke alarms, or fire sprinklers).
- The homeowner was negligent in caring for the home.
- You or a family member intentionally started the fire.
How Much Does Fire Insurance Cost in WA?
When it comes to protecting your belongings from a fire, one of the most important factors to be sure of is that you have high enough limits in place in order to cover the entire value of the item. Depending on which asset you are looking to cover, be prepared to answer the following:
- Type of asset
- Location of asset
- Value of asset
- Where asset is stored
- If asset has a loan attached/co-signer
- Your credit report
- History of claims
- Your driving record
Depending on your asset, you may need to answer different questions.
Fire Safety Tips for Washington Residents
Most insurance policies are eligible for a discount. The discounts available may include the following:
- New customer discount
- Loyal customer discount
- Multi-policy discount
- Professional/industrial affiliation discount
- Good driver discount
- Good credit discount
- Paid-in-full discount
- Claims-free discount
Each insurance company offers different discounts to its customers, so be sure to ask about any discounts you may not be aware of.
How to Get Fire Insurance in Washington
When it's time to purchase fire insurance protection for your belongings, it's important to have a professional by your side guiding you to the right coverage at the right price. A Trusted Choice® agent is always available to help you discuss coverages, suggest policy discounts, or even help you file a claim.