Fire Insurance Quotes

 

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Michigan Fire Insurance Quotes

Michigan fire insurance quotes are provided from the best companies in cities like Warren, Lansing and Detroit just to name a few. Compare the quotes these agents provide to find the best policy combination of price and coverage. The cheapest fire insurance policy is not always the best policy so you need to do your due diligence. Saving money in this economy is the number one goal of most insurance consumers and that is why we created this website.

Small fires can still cause big damage

If you have ever started a small kitchen fire you know how quickly it can build in size. As the smoke builds the soot can bind to carpet and furniture making it difficult to clean. With most small fires there are numerous things that get hot and melt including plastics, wood and fabrics. All of these can produce harmful black smoke that can be deadly to humans plus very hard to restore.

Having professional help to clean and restore your home is a must after any fire. Most restoration companies will help you file the proper documents and proof of loss to the insurance adjuster. They are in the business of making money from fire and water damage but they are also on your side because they usually won't get paid unless the insurance claim is accepted.

Available discounts

Many homeowners have the basic safety and security items that will save them on their home insurance such as dead bolt locks, fire alarms and fire extinguishers. Some discounts are less common and could save you a lot of money on your policy. For example having a fire resistant material used for the construction of your home will help lower your premium as well as having multiple policies with the same company.

Insurance companies offer great discounts when you bundle your insurance policies including auto, home, and life insurance. By doing this alone it could save 30-45% on each policy. Consider getting quotes on your auto insurance along with the home fire insurance quotes to see how much savings are possible.

Does my roof type affect my home insurance premium?

The material that is used to cover your home is a major determinant of the rate you will pay for home fire insurance. If your home was built in the 1980s it is common to have a wood shake roof which can cause your home insurance to be very expensive. Wood shake roofs were used with little thought towards the impact to fires and how they increase damage to the entire home.

Roofs that use asphalt or cement tiles offer much more protection against fire and therefore can reduce your fire insurance rates. There are other roof materials like clay but they often break easily so these can be expensive to replace as well.

Home Fire Insurance Cities in MI

  • Detroit
  • Grand Rapids
  • Warren
  • Sterling Heights
  • Lansing

 

 

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We offer fire insurance quotes in all 50 states. By partnering with leading insurance companies and agents we are able to find you the best policy at the lowest premium.