What is Fire Insurance?
Insurance properties against fires in California is a complex matter. Many properties are exposed to substantial risk, but others are classified as high-risk when they’re actually in a lower-risk setting. While purchasing fire insurance is important throughout much of the state, it’s equally important to make sure a chosen policy is well-suited for a particular property.
Fire insurance is highly specialized property insurance that generally offers protection against fires. The coverage can fill in gaps that homeowners, commercial property and dwelling insurance policies have.
Who in California Needs Fire Coverage?
Many California properties should be protected by fire coverage, including both residential and commercial properties. Any building that’s in a high-risk setting likely should be insured, and owners who have property in lower-risk areas might still want protection. In some cases, it’s even advisable to insure undeveloped land.
Thus, most owners who have property in the state should at least consider fire coverage. Homeowners, residents who have summer homes, businesses and real estate investors might all want the coverage for their properties.