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Fires are a very real threat to homes across the country. They account for $7 billion in property damage in the U.S. each year. From Christmas trees to old furnaces and cooking accidents, fires can happen for a variety of reasons. No one is immune from the risks of house fires, and it’s important to keep your home protected, through fire insurance.

Fire Protection and PreventionFire insurance is a part of a home insurance policy that provides additional protection in the event of a house fire. Under most home owners policies, repairs to your home, or a complete rebuild will be covered if a fire blaze damages or takes over your home.

However, fire insurance will also cover your possessions. It will cover the cost of purchasing new clothing, furniture, housewares, linens, furniture, and all the basic (and expensive) components of every home. For this reason, it’s important to take a home inventory. A home inventory will help you to get reimbursed accurately and quickly for your possessions so you can get your life back on track as soon as possible.

Home fire insurance carries with is additional advantages. For example, fire insurance will pay additional living expenses so you can live in an apartment or hotel while your house is being repaired or rebuilt after a fire. The addition of fire insurance in your home insurance policy will cover food costs, hotel bills and basic living expenses.

The coverage amount varies from company to company and will depend on your individual policy, but the benefits of these plans can give you a little extra comfort and peace of mind when tragedy strikes.

Fire Prevention Tips

The best type of fire insurance is fire prevention. You should always take the necessary steps to prevent a fire before it happens. Here are some fire safety tips to protect your home and your family from the flames:

  • Be sure you have the standard number of required smoke detectors installed and in working order.

  • Always test them regularly and change the batteries annually.

  • Have and practice a fire escape plan, especially for young children.

  • Don’t leave dinner unattended. Kitchen fires are one of the most common causes of household fire damage. Stay in the kitchen while cooking.

  • Never throw water on a grease fire.

  • Always handle lit candles with care and keep away from children.

  • Never let kids play with or use matches or lighters. Children set over 35,000 fires a year

  • Always use electronics with care and use caution with outlets. Never force a three-prong plug into a two-slot outlet.

  • Avoid using a stove to heat your home.



By Matt Reynolds - Google+
Posted 7:00 AM  View Comments

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Claude Reynolds Insurance Agency Inc.
6801 Dixie Hwy Suite 232
Louisville, KY 40258
Phone: 502-933-2255
Fax: 502-933-5057
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