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.
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.
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:
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:
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:
Depending on your asset, you may need to answer different questions.
Most insurance policies are eligible for a discount. The discounts available may include the following:
Each insurance company offers different discounts to its customers, so be sure to ask about any discounts you may not be aware of.
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.