Standard Fire Insurance
How does it work?
Standard Fire insurance covers a policyholder against loss by fire and damage from several other sources. These include fires brought about by electricity, such as faulty wiring and gas explosions, as well as those caused by lightning and natural disasters.
A properly endorsed standard fire policy can provide protection from a covered loss for many different types of properties. Items can range from dwellings, mobile homes, garages, and mountain cabins. We also write policy on homes in the process of new construction (Builders Risk).
Purchasing additional fire coverage helps to cover the cost of the replacement, repair, or reconstruction of property above the limit set by the property insurance policy.
What does it cover?
The properly endorsed standard commercial fire policy can provide protection from a covered loss for many different types of properties. The policy can cover rental dwellings, apartments, convenience stores, clothing stores, small restaurants, office buildings, etc.
The Standard Fire Policy provides coverage for losses due to these specific causes of loss:
- Fire
- Lightning
- Windstorm
- Hail
- Explosion
- Riot or Civil Commotion
- Aircraft
- Vehicles
- Smoke Damage
- Vandalism
- Glass Breakage
- Burglary
If the structure qualifies, coverage for losses due to these additional specific causes of loss can also be provided:
- Theft
- Falling Objects
- Weight of Ice, Sleet,
- Snow
- Collapse
- Bursting of Steam or Hot Water System
- Accidental Discharge of Water
- Freezing
- Power Surge
Optional supplemental coverages you may add for your own specific needs include:
Identity Recovery and Fraud Coverage (Brochure) – this coverage is available for owner occupied homes only.
Our agents will work with you to provide the best policy for your specific needs! CLICK HERE to find one near you.