Fires are among the most devastating accidents your home may face —they are capable of destroying everything in a matter of minutes. Fortunately, most property coverage policies include fire insurance, which will help compensate you for those losses. But, the process can be confusing, especially when you’re dealing with the aftermath of a disaster. Below are answers to some common questions you might have about this vital form of coverage.

A Guide to Fire Insurance Coverage

What does fire insurance cover?

A  fire insurance policy should help you recover after a fire, including paying to repair or rebuild the structure depending on the amount of insurance coverage you have. It may also pay for some personal possessions, such as furniture,  that were damaged or destroyed in the blaze (if you have furniture coverage), as well as the cost of smoke damage.

How much fire insurance do I need?

Property insurance our policies are based on the current  value of the structure.  We can insure the structure up to that value.

How can I speed up the claims process?

After a fire, responding quickly to your insurer’s information requests will help to expedite your claim. You should also call your insurance Company immediately to report the claim, then take video and photos of the damage as soon as the home is safe to enter and collect receipts proving the extent of your losses.

Since 1938, Kentucky farmers and homeowners have relied on Farmers Co-Operative Insurance Co to protect their most valuable assets from the unexpected. As a mutual company, they’re owned by their policyholders, which means you’ll always get the best rate possible and help from agents who truly care. Visit their website for an overview of their extensive coverage options, follow their Facebook for more tips and advice, or call (606) 796-2611 now to request your free fire insurance quote.