Fire Insurance

As noted above, fire risks are not always insured by homeowner’s policies. It may be that after a thorough review of your homeowner’s insurance, fire is treated by that insurer as a separate and distinct risk all its own. While it is not unheard of to go without fire insurance, many have opted to go this route and wound up regretting it when tragedy ensued. In some areas of the country, fire insurance is more essential than others – for instance, the chronically dry and hot regions of the southwest. Those living in remote or rurual areas are also presumably at higher risk, since firefighters will have a more difficult time dispatching help to such places.