In another year of warmer climates and dry conditions, California saw more wildfires across Northern and Southern California that claimed lives, homes, and tens of thousands of acres of brush.
Swarts, Manning & Associates offers homeowners insurance policies that cover fire damage. News reports indicate that some insurance companies have left California residents in fire-prone areas high and dry and without coverage. Our coverage design specialists can help. The first thing we recommend is to give the Swarts, Manning, & Associates team a call to talk about our basic home coverage. Our home insurance policies protect your home in the event of a fire with several different coverage areas, including:
The Physical Structure
The first thing you will want to be covered in the event of a brush fire is the physical structure where you live. Swarts, Manning, & Associates coverage offers structure protection including fixtures, plumbing, and heating due to a covered loss.
You will want to work with our specialists to ensure that you have enough coverage to rebuild or replace your home. This is a process where you can depend on our team’s expertise.
Additional Structures
If you live on a property that has a lot of space, you may have several outbuildings – detached garages, storage sheds, patio covers, or even above ground pools. If you have these enhancements on your property, make sure they are covered in your policy.
Personal Inventory
Your possessions are important to you; they are important to us too. While this takes some detailed work, we recommend having a current inventory checklist of all your property. This could be electronics, furniture, household goods, personal effects, and collectibles.
When a fire strikes, it’s important to make sure everyone is safely away from the area. While it can be heartbreaking to lose a home and possessions in a fire, having solid home insurance can help you rebuild. Swarts, Manning & Associates coverage design specialists will make sure there are no surprises in the event of a fire. We strive to find you the broadest coverage at the best available rate. Give us a call to get started: (833) 878-2820.
