Signs You May Need Separate Home Fire Insurance Coverage
A house fire has the ability to leave your home in shambles. All it takes is a spark, and before you know it, the whole property is up in flames, with your personal belongings also taking the hit. Because fire is always a risk no matter where you go, it's important to ensure you have adequate protection in case one occurs. Although most homeowner's and renter's policies include fire protection, there are certain instances where you might need to go above and beyond by purchasing a separate home fire insurance plan. If you fit into either of the following categories, it may be time to talk to your insurance agent about obtaining another policy.
You Live In A High-Risk Area
Certain parts of the country are known for wildfires. An errant cigarette that is carried along by the wind can cause a blaze that takes days or even weeks to put out. When you reside in one of these areas, it is important for you to guard against the added risk that comes with residing in your neck of the woods. Some insurance companies may not payout on a traditional homeowner's policy for fire if the risk is central to that community.
Check out this website and you should be able to view a map of the places with an increased risk for fire. If your house happens to fall in one of the danger zones shown on the map, it might be wise for you to invest in an additional fire policy as a safety measure!
You Live In An Older Home
It's also a good idea to bulk up on your fire protection if you live in an older home. Perhaps your house was constructed during a time where different wiring techniques were used. This isn't necessarily a bad thing, though it could place you at additional risk for fire damage if the electrical wiring happens to spark out of control.
Have your home inspected by a professional so they can note the quality of your wiring. If the wiring is found to be outdated, getting an extra fire insurance policy can save your pockets in the event of an emergency.
Protecting your home, family, and belongings is always one of the most important things you can do. If the information above sounds like it may apply to you, get your fire insurance coverage policy instated as soon as possible.