Fire Insurance
What We Provide
Benefits of Comparing Fire Insurance Policies
No one like surprises especially when it comes to your home or business. Shopping around and comparing the many different policies and prices will ensure you are protected in precisely the way you expect. Rather than spend several days calling around and educating yourself and getting quotes from several fire insurance companies, just put us to work for you. It cost you nothing because we are paid directly by the insurance company. Let our company work for you on your behalf.
Complete Property Insurance Solution
If your only concern is fire, we can help with that, but at the same time we can help you understand the other types of coverage and let you choose which ones her important to you.
Risk Management
Perhaps you live in an area where flooding is of little to no risk for you, but you might be concerned about fire and theft. We will custom tailor a homeowners insurance policy which is aligned to meet your specific risk factors.
Making an Insurance Claim
In the event of loss or damage, our claims adjusters are just a phone call away. They will help you from start to finish as quickly as possible. Our team will make it fast and simple.
Important Information
Not all Policies are Created Equal
Because we are a fire insurance brokerage company and not pay for your insurance company, we will help you make the difficult choices. Some companies have great policies and great prices but are slow and undependable when it comes to paying out. Other companies are quick to try and settle for an amount that isn’t fair because of the fine print you may have overlooked. Since we work for you we will find the best fit for your specific needs.
Have you ever noticed the big insurance buildings downtown in any major city? They didn’t build those buildings by having low premiums and big payouts. A brokerage company such as ours, has a modest office and a database of nearly all the major insurance companies. That’s why it’s in your best interest to work with an insurance broker rather than directly with the insurance company.
Fee's
No fees, ever! We get paid directly from the insurance company so there is no need for us to add on any fees of any type.
GET A FIRE INSURANCE QUOTE
The quicker you contact us the sooner we can start protecting you with peace of mind. There is no obligation to buy, so call us or click the green button and fill out the short farm. Our property insurance agents are ready to start researching for you.
FAQ
It protects your home and belongings from damages caused by fires, smoke, or explosions, typically including costs for repairs or replacement.
Floods, earthquakes, or intentional damage by the policyholder are usually excluded; you'd need separate coverage for those.
Contact your insurer immediately, document the damage with photos, and submit a detailed claim form with receipts for losses.
Actual cash value pays for the item's current worth minus depreciation, while replacement cost covers the full price of a new equivalent item.
Get an estimate of your home's rebuilding cost and personal property value, aiming for at least eighty percent of that total.
Review your policy annually, especially after renovations, purchases, or moving to ensure coverage matches your home's value.
Location, home age, materials, and claims history influence rates; safety features like alarms or sprinklers can lower costs.
Yes, renters insurance covers personal property against fire damage, even if you don't own the building.
It's the amount you pay out-of-pocket before the insurer covers the rest-choose carefully to balance premiums and risk.
Many policies include loss of use coverage, paying for hotel or rental costs while your home is repaired.