Texas Fire Insurance
(Find the right fire insurance policy for you.)
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Fire is all-encompassing. Frequent wildfires and accidents threaten personal property in Texas and can cause tens of thousands of dollars in damage. Texas fire fighters respond to an average of 210 fires every day. You will want to be sure that your property, including your home and vehicle, have enough fire insurance coverage to allow you adequate compensation for the devastating losses you can suffer because of a fire.
An independent insurance agent in the Trusted Choice® network can help you assess your fire coverage needs and can ensure that your current policies provide sufficient coverage. All agents in the network have taken a pledge to provide the people in their communities with exceptional customer service and ethical advice. Contact an agent in your neighborhood today for more information and to start reviewing Texas fire insurance quotes.
Texas Fire Statistics, 2010
- There are 1,034 fire departments in the state of Texas
- Texas fire fighters responded to 76,781 fires in 2010
- In these fires, 781 civilians were injured and 175 lost their lives
- Texas fires resulted in $510,113,505 in property loss and damage
- This averages out to about $6,640 in damages per fire
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What Is Texas Fire Insurance?
Fire insurance is a form of property insurance specifically designed to cover the costs associated with repair, reconstruction and replacement of personal property after a fire. In most instances, fire insurance is included as part of your insurance coverage for your home, business or vehicle.
It is important that you are aware of what your currently-held insurance policies do and do not cover. An agent in the Trusted Choice network can help you review your insurance policies to ensure that they meet your fire insurance coverage needs. These agents may even be able to find ways to save you money on this very important insurance coverage.
Texas Fire Insurance Protects Your Home
Whether you own or rent or your home, it is important that you protect your finances from losses you may sustain as a result of a fire. You can purchase coverage for fire losses through one of the following types of policies:
- Homeowners insurance: Your policy will include coverage for fire damages to both the structure of your home and its contents up to the amount of coverage you purchase. Most policies will enable you to purchase special riders for other property such as boats and ATVs so that they are covered against damage, such as that caused by fire, sustained while they are stored on your property.
- Condominium insurance: Your condo association will have a master policy that will provide coverage for the structure of your building. Your condo insurance policy will provide coverage against fire damage to the contents kept within your unit, up to the amount you have purchased.
- Renters insurance: Your landlord is responsible for covering any damages to the structure of your rental home or apartment building but does not have to compensate you for any of your personal property that may be damaged or destroyed in a fire. A renters insurance policy will provide this necessary coverage.
- RV insurance: If you live in your RV year-round, or even just for several months of the year, you likely keep a lot of personal property inside. An RV fire can occur while driving as a result of an overheated engine or a motor-vehicle accident. It could also catch fire when using your recreational vehicle as a home, as the result of a cooking accident or malfunctioning space-heater. An RV insurance policy can provide coverage against fire damage to both the RV itself and the contents you keep inside.
Texas Fire Insurance Protects Your Business
If you are one of the many Texans who own their own business, you will want to be sure that it is properly insured against fire damage. Many Texas business owners work out of their homes. If this is the case with your small company, your homeowners insurance is probably sufficient for coverage. If you write off your home office on your taxes, you may need to add a special endorsement to your home insurance policy to cover the costs of lost or damaged business materials and equipment.
If your business is located outside your home, you can count on your business insurance policy to protect you from the losses associated with fire damage. If you own the building in which your business is housed, you will need to purchase sufficient structural coverage. Whether or not you own the building, you want to be sure to purchase enough contents coverage to compensate you in the event that a fire leads to a total loss. If you own a business in which you face an increased risk of fire, you may want to consider purchasing extended fire insurance for extra coverage.
Texas Fire Insurance Protects Your Vehicles
If you insure your car or truck only at the state minimum requirements, you will only be purchasing liability insurance. The only way to have coverage against damages caused by a non-collision-related fire is by supplementing your vehicular insurance with comprehensive coverage. Comprehensive insurance will provide you with compensation for any damages your vehicle may sustain while not being driven. This includes damages caused by fire, severe weather, falling objects, vandalism and theft.
If you own a boat, snowmobile or other recreational-type vehicle, your home insurance may provide compensation for fire damage that happens on your property. For coverage against fire damage that may occur off your property, you will need to purchase comprehensive insurance for these vehicles.
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Property Loss in TX Fires, 2010
- There were 20,595 structure fires resulting in $424,295,871 in damages
- Of these structure fires, 16,250 were residential fires resulting in $284,528,457 in damages
- The average property loss in a Texas residential fire was $17,509
- There were 12,435 vehicular fires resulting in $60,222,964 in damages
- The average property loss in a Texas vehicular fire was $4,843
Find Affordable Fire Insurance in Texas
An insurance agent in the Trusted Choice network can help by ensuring that you are property covered against potential fire damage. These independent agents work with several different insurance companies to provide you with a variety of customized policies at competitive rates. This saves you from the hassles of comparison-shopping.
There are several Trusted Choice member agents with offices in Texas. It should therefore be easy to set up an obligation-free meeting with a member agent who is conveniently located near your home or business. Contact an agent in the Trusted Choice network today to get more information and to start comparing Texas fire insurance quotes for the policies that matter to you.