Fire insurance for a dwelling gives the policyholder the advantage of insurance coverage in the event of a fire. This insurance covers several liabilities and physical threats involved with a house fire. 

A fire or dwelling insurance policy affords the homeowner the flexibility options for coverage to guard their important assets. Some of this coverage protects against certain dangers such as fire explosions, fires caused by severe wind or lightning, and even vandals. A dwelling fire policy is dissimilar to regular homeowners insurance because only designated hazards are insured. 

An insurance policy for a dwelling can be written so it not only insures the property inside but also the entire structure.  

In past years, Ohio had a ratio of fatalities related to a fire that was 13.9 to one million. This is one of the highest fatality rates of more than half the states in the entire nation. The National Fire Protection Agency reports ninety-two percent of house fire deaths result from structural fires. 

The damage incurred to a home or other structure that has no sprinklers installed can reach astronomical numbers. Some areas might require additional fire insurance than what is offered in a regular homeowner’s insurance. This insurance would be required to cover items with a higher value than other possessions. You can contact an insurance agent in your area who will go over the policy best for you. This agent will also cover any coverage gaps or lapses that might affect your policy.    

If you live in the Cincinnati, OH area and are looking for dwelling insurance, contact an Advantage Insurance Network agent. Fire insurance in Ohio is not as difficult to obtain as you might have previously been led to believe. Call today, your family, home, loved ones, and valued possessions are worth every penny you spend to insure it.