Is Fire Insurance Important for My Home?

You may be thinking the chances of a fire spreading through your neighborhood and damaging or destroying your home are slim to none. Each year, countless homeowners believe the same. The U.S. Fire Administration, however, reported over 360,000 residential fires amounting to $6.6 billion in damages in 2010 alone. The causes of major fires are all too common. The possibility of a cooking accident, electrical malfunction or fireplace mishap devastating your home makes fire insurance a necessity, but why else is this type of protection important?

Smoke Alarms Can Fail

A smoke alarm can be highly efficient in detecting and warning you about a fire in your home, giving you enough time to gather your family, take them to safety and contact your local fire department. What happens when this device fails? A fire can spread at lightning speed and there’s no guarantee your smoke alarm will allow enough time to save your belongings and home. The added protection of fire insurance can give you that extra security to protect what wasn’t saved fast enough.

A Home When There is None

In the unfortunate event of a fire destroying your home, the safety of a place to stay becomes extremely important, but what happens when you can’t find one? Most standard homeowner policies with fire coverage come with reimbursed additional expenses. This benefit will often help you with expenses such as hotel stays and restaurant bills while you get back on your feet.

Protection Against Financial Ruin

Chances are your home is your most valuable asset, financially and emotionally. You take years of work and love to make it the best place for your family to live, yet taking the chance of going uninsured could see you lose it in the blink of an eye and be left with nothing. Fire coverage may not be able to replace your home, but it can help you find a new one without devastating your finances.

Find Your Protection

Don’t risk it, protect your home and financial integrity with fire insurance today. The insurance experts of Shepard Walton King can help you find the right coverage plan based on your needs. With our professionalism, skill and knowledge of the insurance coverage field, you’ll find the protection you need to keep your home and belongings as safe as ever. For more information about our services, feel free to contact us or pay a visit to one our offices in McAllen, Harlingen or Austin.

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