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4 months ago · by · 0 comments

Fire Insurance Suggestions on Fire Preventing Tips

Fire Insurance Suggestion to prevent fire disasters

Fire insurance is one of the main needs for any homeowner, but what is important more than ensuring your home from a fire disaster is preventing that disaster from happening. Fire insurance California hopes you never need to our insurance and just choose insurance for the safety of your mind. Also, it is very important to have fire insurance but we suggest you some preventing tip to see how to make your home secured from fire.

Most home fires occur in the kitchen while cooking and are the leading cause of injuries from the fire. Common causes of fires at night are carelessly discarded cigarettes, sparks from fireplaces without spark screens or glass doors and heating appliances left too close to furniture or other combustibles. These fires can be particularly dangerous because they may smolder for a long period before being discovered by sleeping residents and fire insurance California support you after any of these disasters. 

Home fires are preventable. The following are simple steps that each of us can take to prevent a tragedy before need to use fire insurance services.

Cooking

  • Stay in the kitchen when you are frying, grilling or broiling food. If you leave the kitchen for even a short period of time, turn off the stove.
  • Wear short, close-fitting or tightly rolled sleeves when cooking.
  • Do not cook if you are sleepy, have been drinking alcohol or have taken a medicine that makes you drowsy.
  • Keep children away from cooking areas by enforcing a “kid-free zone” of 3 feet around the stove.

Smoking

  • If you smoke, smoke outside. Most home fires caused by smoking materials start inside the home.
  • Make sure cigarettes and ashes are out. The cigarette needs to be completely stubbed out in some kind of ashtrays, such as a glass dish or a can filled with sand. Soak cigarette butts and ashes in water before throwing them away. Never toss hot cigarette butts or ashes in the trash can.
  • Check for cigarette butts indoors. Chairs and sofas catch on fire fast and burn fast, so don’t put ashtrays on them. If people have been smoking in the home, check for cigarettes under cushions.
  • Never smoke in a home where oxygen is used, even if it is turned off. Oxygen can be explosive and makes the fire burn hotter and faster.

 

Fireplaces and Woodstoves

  • Inspect and clean woodstove pipes and chimneys annually and check monthly for damage or obstructions.
  • Never burn trash, paper or green wood.
  • Use a fireplace screen heavy enough to stop rolling logs and big enough to cover the entire opening of the fireplace to catch flying sparks.
  • Make sure the fire is completely out before leaving the house or going to bed.
  • Store cooled ashes in a tightly sealed metal container outside the home.

 

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4 years ago · by · 1 comment

Fire Insurance Coverage

Dwelling fire policy

Dwelling Fire Insurance Coverage Options in California

Dwelling Fire Coverage Options

If you own rental or investment properties, you need to protect them from a host of potential perils, including fire, lightning, vandalism, and theft. If your primary residence is located on the rental or investment property, a homeowners insurance policy in California would cover you from many of the potential risks. But what if you live somewhere else? A  California dwelling fire policy may be the type of coverage you need to insure your rental or investment property from damages.

Dwelling Fire Policy Basics

Despite the name, a dwelling fire policy in California can protect your properties from much more than just fire damage.

The coverage is very similar to a California homeowners policy, with one significant difference—a dwelling fire policy is created for a landlord that does not make the property his or her primary residence. If you need to insure a rental or investment property but not the personal property inside, a dwelling fire policy is a smart decision.

To be eligible for a dwelling fire policy, the property generally needs to be one of the following:

  • Single family home
  • One- to the four-person family dwelling
  • An older home worth $50,000 or less
  • Vacation, seasonal or second home

Differentiating the Dwelling Policy Types

Just like homeowners policies, there are several different types of dwelling fire coverage. DP-1 is known as the basic form, DP-2 is known as the broad form and DP-3 is known as the special form. Each provides a significantly different level of coverage.

DP-1: Basic Form

The basic form is a “named perils” policy (that is, the policy explicitly names what perils are covered) and covers losses due to:

  • Fire
  • Lightning
  • Internal explosions, such as a stove or water heater

There are two optional endorsements available with DP-1 coverage:

  • Vandalism or malicious mischief (V&MM)
  • Extended coverage, which includes damages due to the following:
    • Hail or windstorms
    • Other explosions
    • Riot/civil commotion
    • Aircraft or vehicles

Dwelling Fire Coverage Option

  • Smoke
  • Volcanic eruptions

Claims under a DP-1 policy are settled on an actual cash value (ACV) basis by default—however, you can sometimes opt for a replacement cost value (RCV) policy for an additional cost.

The DP-1 form is usually the form of choice for vacant homes or properties, and it may be the only option for these dwellings.

DP-2: Broad Form

The broad form is also a named perils policy and covers the same perils as the basic form, with certain additions:

  • Extended coverage and V&MM coverage are automatically included
  • Burglary damage
  • Weight of ice and snow
  • Glass breakage (as long as the building was not vacant for 60 or more days before a loss)
  • Accidental discharge or overflow of water or steam (as long as the building was not vacant for 60 days before a loss)
  • Falling objects (such as trees)
  • Freezing of pipes
  • Electrical damage
  • Collapse (due to decay, vermin or insect damage, or other perils)
  • Tearing apart, cracking, burning, bulging

Unlike the DP-1 form, the DP-2 form settles claims on a RCV basis.

Loss of rent coverage may be included with a DP-2 policy. If tenants are forced to move out while the landlord repairs the dwelling due to damage caused by a named peril, this coverage would reimburse the landlord for rent lost during the process.

DP-3: Special Form

The DP-3 form is the most comprehensive dwelling fire coverage available. It is an “open perils” or “all risk” policy, which means real property (dwelling and other structures) will be covered for all types of damage, except those exclusions named in the policy. However, damaged personal property (all the items inside the dwelling and other structures) is covered on a named perils basis.

DP-3 form exclusions vary, but will typically include some or all of the following:

  • War
  • Water damage
  • Laws and ordinances
  • Neglect
  • Intentional loss
  • Mold, rust, rot and other gradual losses
  • Certain types of water damage
  • Earth movement, such as earthquakes

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