When you’re protecting your property, leave no stone unturned. If you don’t have fire insurance yet, consult with a reputable insurance company to see what gaps you could have in your coverage. To help you better understand fire insurance plans, the staff at Tammy Ross Insurance in Monroe, NC, explain what you should expect from your coverage.

What’s Covered 

Fire insurance will entitle you to financial reimbursement if there’s a fire or fire-related damage to your property. This includes lightning strikes, wiring accidents, fire-related natural disasters, and plumbing problems that are triggered by fires. In most cases, the coverage will include situations where the fire did not emanate from the home. 

What’s Not Covered 

Acts of vandalism are typically covered under fire insurance packages, but there is one notable exception: if the perpetrator is an occupant of the property, the damage might not be covered. There could also be a built-in ceiling for how much money the insurance company will pay for single items. Before you purchase a fire insurance policy, think about your possessions—if you have any items with substantial value, like expensive jewelry or a painting, ask the company if you need a special package to insure these belongings at their full worth. 

To protect your assets if there’s a fire, talk with an agent from Tammy Ross Insurance. Call (704) 233-4981 to schedule a consultation, or visit the Tammy Ross Insurance website to learn more about their providers and coverage plans. When it comes to fire insurance, these agents will help you find a comprehensive plan with an affordable price. They also provide homeowners insurance and commercial coverage.