Fire Insurance

Fire Insurance for Homeowners in Colorado, California, Arizona, and More

Fire is one of the most destructive forces out there for properties in Colorado, California and Arizona. While most homes are protected from accidental fires, such as a faulty wiring system in the property, very few homes, especially those in high risk areas, are protected from wildfires – a growing concern in Colorado, California, Arizona as warmer weather and reduced rain has led to an increase in wildfire frequencies in these regions. Protecting your property may mean purchasing wildfire insurance to add extra protection for the houses that need it most.

At Suburban Insurance, we work with homeowners in Colorado, California, Arizona and Iowa to provide fire insurance policies specific to your risks and coverage needs. We build your insurance that will make you feel confident that you are protected, while still getting a great rate. Get a free assessment at 720-213-8830.

Keeping You Covered with Fire Insurance from Suburban Insurance

Wildfire risk is a growing problem. Colorado, California and Arizona is becoming drier, with less rain and more heat. Homeowner’s insurance will cover accidental fire, but will typically not cover fire damage from weather-related events. If you live in a higher risk area, chances are you may benefit from getting your own separate fire damage policy – one that covers this risk and makes sure that your entire property is protected. For these homeowners that want to decrease their personal risk, fire insurance provides all of the following:

  • Dwelling Coverage – This covers the expenses of repairing or rebuilding your home after a fire, including handling fire, smoke, and water damage that can occur.
  • Coverage for Other Structures – This can cover any other structures that were damaged in the fire such as unattached garages, sheds, barns, and even fences.
  • Personal Property Coverage – All of the belongings you have in your home – electronics, clothing, furniture, and more – are covered with personal property coverage.
  • Coverage for Living Expenses – If your home is temporarily uninhabitable after a fire, this can cover it cost of hotel stays and similar expenses while you wait for your home to be rebuilt.

At Suburban Insurance, we have a full range of personal insurance options and are able to look at your needs comprehensively. We assess your home insurance and other policies, as well as your location, home value, financial situation, and other details to assess whether fire coverage makes sense for you. We then give personalized recommendations and provide the fire insurance policy that will best align with your needs.

Suburban Insurance is dedicated to providing friendly and honest service while also delivering a degree of professionalism and expertise you will not find elsewhere. We want to make sure you have peace of mind now and are there for you if an accident should occur. We can start the process with a free assessment in which we can share more information and provide a quote. Contact our team to begin.

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