Fire & Casualty Insurance

In many home owner insurance policies they don’t give you enough fire coverage. If the exact way the fire started is not listed in your policy then the damage that the fire causes will not be covered. Fire and casualty insurance is a specific type of insurance that covers your home and any structures against the physical and financial damage from a fire, no matter what the cause fire. We all know a fire can strike at anytime and in most cases it can quickly destroy a building. Let us help you create the perfect fire and casualty policy that will cover you against all potential fire sources and the damages they might cause.
 
Fire and casualty insurance covers you in two ways. First the fire part of the policy will cover all the physical damage to your home and/or structures, and will pay in cash for the losses. It can also pay in some cases for repairs to prevent additional damage, like paying for a tarp to cover a hole in the roof, so if it were to rain your home wouldn’t be damaged further. With the fire part of the policy you can also customize to what causes your fire, so that you don’t have to pay for something that is not likely to happen. For example if you live in an area where wildfires are frequent you want that added to your policy, but it another area that never gets them you can choose not have it and save money on your policy.
 
Then the casualty part of the policy is liability coverage against any negligent acts or omissions that your structure fire might have cause to another building and/or people. Your home is your responsibility so if the fire was found to have damaged your neighbor’s home then you would financially be liable to pay all the damages. Also if someone were to get injured as a result of your structure fire then all the medical costs associated with the injury you would be responsible for.
 
When you combine these parts you get fire and casualty insurance, it will give you the comfort of knowing that if there is any kind of fire you have the coverage. To get a quote on a custom fire and casualty insurance policy Click Here to contact us.

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