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Fire Insurance

Fire insurance is a specific type of insurance which covers structural damage to a property. Fire insurance usually comes under two separate branches of insurance; contents insurance for belongings and property insurance for the building. Policies differ for specific types of building, for example; residential fire insurance will differ from commercial fire insurance. Owners of residential property or commercial property should thoroughly check insurance policies to make sure both structural damage and contents are covered in the event of fire.

Some fire insurance policies operate an actual cash value rule. An actual cash value policy covers the structure, less depreciation. Other policies will only pay a replacement value, where the total value of the structure will be replaced in the event of a fire whether it has depreciated or appreciated. On some residential fire insurance policies a living allowance is provided which pays for temporary accommodation should a home be completely destroyed by fire. It is these differences that make policy prices vary considerably from policy to policy. When you purchase fire insurance you should also be aware that specific types of fire may not be covered. For example, earthquake related fires may be excluded, as may tsunami and volcano related fires and other fire types considered acts of God. Always read the terms carefully to make sure your policy covers everything you need.

Fire Protection Will Reduce The Price of Your Policy

The cost of insurance differs greatly between companies, so it is important to shop around. If you live in an area prone to wildfires or lightning strikes then you will pay more than those who live in low risk areas. However, regardless of where you live, you can save a great deal of money on your fire insurance policy if you invest in protection from fire. Smoke alarms are a good place to start when protecting your home, but in the modern day smoke alarms have become a standard expected feature of every building. Greater fire protection measures - such as the installation of fire sprinklers - are needed to reduce fire insurance.

A fire sprinkler system can save you as much as 15% on your fire insurance policy. The reason for this is that insurance companies recognize how effective sprinklers are at reducing the risk of structural damage and contents loss in the event of fire. Installing a fire sprinkler system is the equivalent of having the fire service present at your property 24 hours a day, ready to immediately douse fire with water and minimise damage.

Commercial fire insurance and residential fire insurance can be made considerably cheaper by installing fire sprinklers in a building. Fire sprinklers extinguish 99.7% of all fires at source of origin. By installing fire sprinklers you can save money, save lives and save your property. If you would like to discuss the installation of fire sprinklers with a fire protection expert, then give Firefighter 24/7 a call today.


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