No one is immune from the threat of a residential fire damaging or completely destroying a home. In 2005, residential fires caused approximately $7 billion in property damage to more than 396,000 homes, claiming the lives of 3,030 people (excluding firefighters). According to the National Fire Protection Association, lightning causes approximately 6,100 residential fires each year.

Get a Free Quote for Home Insurance Here!

Fire is the most basic coverage in any standard home insurance policy. Fire insurance typically protects you against fires started inside the home, brush fires, lightning, and other natural disasters that can burn down your home. There are several things you can do (some easier than others) to lower the cost of home insurance, including the following:

• Install new smoke detectors on every level of your house, inside and outside sleeping areas, and in basements.
• Maintain a good credit record.
• Purchase your home insurance policy and your auto insurance policy from the same insurer.
• Purchase a home close to a fire hydrant.
•  Have an electrical and plumbing system that is no more than 10 years old in place.
•  Save as much as 15 percent by installing a sophisticated sprinkler system.

Purchase Low-Cost Home Insurance Here!

• A single lightning bolt can carry over 100 million volts of electricity, which is enough power to rip through a roof, explode concrete and brick walls, and start fires.
• Nationwide, approximately 140,000 wildfires burn 14.5 million acres annually.
• Smoke alarms are critical in preventing injury or death. In 2/3 of all residential fires in which a child is injured or killed, a working smoke alarm was not present.