Protect Your Home with Fire Insurance
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Call Allstate Today: 1-800-398-2128
We offer affordable, dependable fire insurance coverage, with policies separate from and included in home insurance plans. Call our in-house agents to find the best fire insurance policy for you.
Fire Protection Beyond Your Home
Our fire insurance rates protect all the structures on your land-- your home, shed, garage, and personal property. With our comprehensive coverage and low rates, you can't afford not to insure yourself.
Fire Coverage You Can Count On
House fires are unpredictable, but our coverage is not. We offer dependable home and fire insurance that will protect you when you need it most. Insure your home today.
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We offer broad protection that you can trust, plus affordable rates, and outstanding service.
Risks Associated With House Fires
The number one threat for loss and damage to any homeowner is fire. The reason for this is because fire can come from so many different sources, some natural and some manmade. When you consider the following sources of fire, you'll quickly see why it's such a huge threat. They include:
- Matches and lighters
- Sparks from a fireplace
- Kitchen fires from grease or gas
- Electrical fires
- Spontaneous combustion of stacks of rags or newspapers
- Fire from another structure like a neighbor's house
The sources for causing house fires is seemingly unlimited. Here are some sobering facts from the Center for Disease Control (CDC) you need to know about property loss, injury, and death due to house fires:
- In 2009, someone died in a fire every 175 minutes, and someone suffered an injury every 31 minutes.
- Roughly 85% of all U.S. fire deaths in 2009 occurred in homes.
- Fire departments responded to 377,000 home fires in the United States.
- Cooking is the primary cause of residential fires.
- Fire and burn injuries cost $7.5 billion each year.
- Hospitalized fire and burn injuries total $1 billion.
There are several different groups at higher risk of fire-related death and injury than the rest of the general public. These groups include:
- Children 4 and under
- Adults 65 and older
- The poorest Americans
- Rural Americans
- Persons living in manufactured homes
There are many risk factors that increase the chances of a house fire. They include:
- No smoke alarms present, or present but non-functional.
- Winter months present more options for fire.
- Alcohol use contributes to an estimated 40% of residential fire deaths.
Get Homeowners Insurance to Protect Your Home Against Fires
What's reassuring, however, is that your local homeowners insurance professional can answers all your insurance questions, give you a list of tried and true safety tips that will dramatically reduce the risk factors, discuss which types of fire extinguishers you should have in your home and where to place them, and discuss all types of fire insurance coverage. Be certain to ask what the replacement value of you policy is, what is covered and what isn't, does your policy contain third party coverage, and whether or not you're carrying enough to satisfy the requirements of your mortgage lender or bank.
Contact Your Local Insurance Agent Today
Fire insurance is the one coverage you should never find yourself without. Discuss all of your homeowners insurance options with your local professional insurance agent, and insist on fire insurance that meets your needs and desires.