Fire is one of nature's most deadly weapons. And in the state of Wyoming, fires are common. From vehicle and residential fires to wildfires, the state has a constant battle with blazes. A fire can start small; even a spark from faulty wiring can quickly turn into disaster. Fires don't pick and choose what to destroy; instead, they melt, burn, and ignite everything in their path. Fire insurance can help you recover from a fire by providing the funds you need to replace or repair your belongings. Learn more about getting quotes and coverage as you read the information below.
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Wyoming Fire Facts
- There were more than 468 fires in WY during 2013.
- More than 44,000 acres burned during 2013.
- 72% of all residential fires were due to heating or cooking.
- The costly result of a residential fire is about $18,248.
When it comes to protecting your home and assets in WY from the damage of a fire, there are a few things you can do. Always have fire safety equipment available, including smoke detectors and sprinklers, in every room. Always have an emergency evacuation plan, and practice it at least a few times a year. Additionally, make sure that matches, lighters and other dangerous items are not within a child's reach. Finally, make sure your family knows what to do in case of a fire in or outside the home. From putting out a small grease fire to escaping an impending wildfire, being prepared is crucial.
What Fire Insurance Options Are Available in Wyoming?
Many insurance policies come with built-in fire insurance coverage. The list below outlines a few of the most common policies that provide fire insurance coverage:
- Homeowners insurance: Most homeowners insurance policies offer coverage from fire, wind and rain. This doesn't mean you have sufficient coverage, however. You should review your policy periodically to make sure that the coverage limits are high enough to offer you enough coverage to replace your home and your belongings. If your home has had upgrades or has increased in value, you should adjust your homeowners insurance coverage limits to reflect the increased value.
- Renters insurance: Unfortunately, many renters believe that the landlord's insurance policy will cover their belongings from fire. The landlord's policy does not cover the renters' belongings. Renters insurance is the only way to get coverage for your appliances, furniture, clothing and electronics.
- Car insurance: If you carry just the minimum liability insurance coverage required in your state, that coverage most likely will not cover your car if there is a fire. A comprehensive car insurance policy can help cover your car in case of damage from a fire.
- Business insurance: Just like a homeowners insurance policy, a business insurance policy can offer protection from fires. Additionally, just like homeowners insurance, the policy needs to have limits high enough to protect all of your business assets.
- Boat/ATV/snowmobile insurance: Whatever pleasure vehicles you own, comprehensive insurance is the policy you need in case of a fire. Many financing companies will require this insurance to be in place for the duration of a loan.
What Types of Fires Are Covered by Fire Insurance?
Fire insurance covers many types of fires. The following is a list of some of the more common fires that insurance can help cover:
- Home fires
- Cooking fires
- Electrical fires
- Dryer fires
- Vehicle fires
- Boat fires
- Fireplace-ignited fires
- Woodstove-ignited fires
There are instances where fires are non-covered events, including these:
- Fire where homeowner refused to call 911/local fire department
- Fire where homeowner was negligent in keeping fire equipment in the home (fire extinguishers, smoke detectors, etc.)
- Fire where the home was neglected
What You Need To Know About Getting Quotes
When it comes to fire coverage, insurance companies need to know some basic information about your assets in order to give you accurate fire insurance quotes. When shopping for fire insurance, make sure you are aware of the following:
- Location of asset
- Age of asset
- Type of asset
- Value of asset
- Your driving record
- History of claims
- Desired coverage
- Desired deductible
Insurance companies will use all of these factors, plus more, to give you accurate quotes for a policy that can cover you in case of fire.
Are There Discounts Available on Fire Insurance in Wyoming?
Most insurance companies offer customers discounts as an incentive. The discounts available on fire insurance may include the following:
- New customer discount
- Loyal customer discount
- Good student discount
- Good driver discount
- Good credit discount
- Claims-free discount
- Multi-policy discount
Each insurance company offers its customer different discounts, so be sure to inquire about any available discounts you may qualify for.
How to Obtain Fire Insurance Coverage in Wyoming
When it comes to getting fire insurance in WY, it's important to have a professional by your side to guide you to the right coverage based on your budget. A Trusted Choice® agent is always available to help you discuss coverage options, find discounts and even help you file a claim.
Make sure you’re covered; contact a Trusted Choice agent for valuable information and quotes.