Colorado Fire Insurance

Find the right fire insurance policy for you.

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In Colorado, property owners face the risk of accidental fires as well as damage caused by wildfires. Recently, the Black Forest Fire began near Colorado Springs and destroyed 488 homes, making it the most destructive wildfire in the state’s history. Fortunately, most of those affected were covered by fire insurance. Are you?

One of the many independent insurance agents in Colorado can help you review your home, auto, and business insurance policies to help you make sure you have sufficient fire coverage. Find an insurance agent near you to get started.

Colorado Fire Statistics

What Is Colorado Fire Insurance?

Fire insurance is not a stand-alone policy. Rather it is included in many of the policies you already have. It is designed to cover the cost of replacing lost or damaged property and assisting with expensive clean-up costs, if necessary. It is important that you know what your current insurance policies do and do not cover so that you can be sure you are sufficiently covered against fire damage. A quick review of your current coverage may reveal that it is time to raise your coverage limits or start shopping for a new insurance provider.

Fire Insurance for Your Colorado Home

Whether you rent or own your Colorado home, it is important to be certain that your property is fully covered against the losses you may incur in the event of a fire. You can obtain fire insurance protection through one of the following policies:

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Colorado Fire Insurance to Protect Your Vehicle

Vehicle fires are very destructive and nearly always result in your car being totaled. Whether your auto insurance will cover the damage will depend on how the fire started and whether you have purchased the appropriate coverage options.

Fire Insurance for Your Colorado Business

If you are a business owner in Colorado, you will want to be sure that the investment you have made in your company is properly insured against fire damage.

Who Can Help Me Review My Fire Insurance Coverage?

It’s always a good idea to review all of your insurance coverage every few years to make sure that your policies have kept up with changes in your life and situation. When checking for sufficient fire insurance, you can benefit from the assistance of an independent insurance agent.

There are more than 250 independent insurance agencies in Colorado. These agents will be happy to answer your insurance-related questions and assist you with all of your coverage needs. They may even be able to save you money by finding better policies at more competitive rates. Talk to an insurance agent near you to learn more.

https://www.nfpa.org/News-and-Research/Publications/NFPA-Journal/2018/September-October-2018/Features/2017-US-Fire-Loss-Report

https://www.homeadvisor.com/cost/disaster-recovery/repair-fire-and-smoke-damage/

https://www.colorado.gov/pacific/dfpc/2018-fire-data

https://www.firescience.org/worst-states-fire-danger/

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