Personal Insurance
Fire Insurance
Supplemental coverage that increases your limits on existing policies for additional fire protection.
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Supplemental Fire Coverage
Fire insurance helps you rebuild your home and replace personal property after a fire, reimburse living expenses while your home is uninhabitable, and extend your home insurance coverage limits.
According to the U.S. Fire Administration, residential fires cause over $7 billion in property losses annually, with approximately 370,000 incidents per year. Make sure you have adequate protection.
Did You Know?
According to the U.S. Fire Administration, around 370,000 residential fires cause more than $7 billion in property losses annually. Most of these are preventable with proper precautions and adequate insurance coverage.
Coverage Options
Dwelling Fire Coverage
Additional coverage for your home's structure beyond standard homeowners policy limits.
Personal Property Fire Coverage
Extra protection for your belongings against fire and smoke damage.
Smoke Damage Coverage
Covers damage caused by smoke from fire, which can extend far beyond the actual flames.
Additional Living Expenses
Extra coverage for temporary housing if fire makes your home uninhabitable.
Common Causes of Residential Fires
Cooking Fires
The leading cause of residential fires. Unattended cooking and grease fires account for most kitchen-related incidents.
Electrical Malfunctions
Faulty wiring, overloaded circuits, and damaged cords can spark fires, especially in older homes.
Candles & Smoking
Unattended candles, cigarettes, and matches left near flammable materials cause thousands of fires annually.
Arson
Intentionally set fires. Insurance protects you even when fires are caused by criminal activity.
Gas Explosions
Gas leaks from appliances or heating systems can lead to devastating explosions and fires.
Who Should Consider Additional Fire Coverage?
Dwelling Fire Insurance for Property Investors
If you own rental properties or investment real estate, dwelling fire insurance offers advantages over standard homeowners policies:
Named Perils Coverage
Covers specific listed risks at a more affordable price point than standard homeowners insurance.
Multiple Property Discounts
More affordable coverage when insuring multiple investment properties under one policy.
ACV or RCV Options
Choose between actual cash value or replacement cost value based on your investment strategy.
Tailored for Landlords
Specifically designed for investment properties where you don't reside full-time.
Protecting High-Value Items
We recommend inventorying your possessions, particularly luxury items like furs, gold, paintings, and jewelry. These items often have replacement costs that exceed standard coverage limits.
Our agents can help you determine if you need additional coverage or scheduled item endorsements to fully protect your valuable possessions.
Fire Coverage Under Other Policies
Homeowners Insurance
Standard policies typically cover fire damage at 50-70% of your home's value. Supplemental coverage fills the gap.
Renters Insurance
Your belongings lost in a fire are covered under renters insurance, even if the building is not your responsibility.
Get Fire Coverage Quote
Fill out this form to discuss additional fire coverage options.
Increase Your Fire Protection
Don't leave your home underprotected. Contact us to review your current coverage and discuss supplemental fire insurance options.