Fire Insurance: Why You Shouldn’t Ignore It

When thinking of the many things that can go wrong in life, do house fires make the list? Fires aren’t always freak accidents that rarely happen. Needless to say, the possibility of a house fire is more of a risk than you might think, which is why fire insurance is so important. If you’re still not convinced, the following reasons may just change your mind.

Faulty Smoke Alarms

Sure, you count on them to warn you of any potential fires, but like any piece of technology, smoke alarms can and do fail. You may have received a faulty alarm, installed it improperly, or failed to change the batteries to keep it running. In any case, if your device malfunctions, a fire will definitely go unnoticed. The problem is, you don’t necessarily know when your smoke alarm will fail. Be sure to check it once a month. Also be sure to have a fire insurance policy for added protection. 

Light at the End of the Tunnel

Let’s say a fire breaks out in your kitchen, your entire home is engulfed in flames, and now you’re standing on a pile of ashes where your house once stood. Now you have no place to rest your head and provide your family with shelter. Luckily for you, most standard homeowner policies with fire coverage will reimburse you for additional expenses. This means you can receive help when you have expenses such as hotel stays and restaurant bills while you and your family get back on your feet.

Financial Security

We think it’s fair to say that your home is the most expensive and valuable thing you own. It took you years to pay it off, you spent thousands of dollars to maintain it, and put the time and effort to make it the best residence for your family. Now, because it was uninsured against a fire, you’re left with nothing. Fire coverage will not replace how you felt about your home, but it will be there as you find a new one without leaving you in financial ruin.

Start Your Search Today!

At Shepard Walton King, we believe in providing what we can for our clients. If you’ve recently purchased a home or are ready to safeguard your current one, our McAllen insurance agents are here to help insure it. Contact us online today or stop by to see what we can do for you. 

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