Dwelling Fire Insurance

Get the Best Prices on Dwelling Fire Insurance

If you own a home of any kind, whether it be your own home that you are living in or a rental property, you need to have a dwelling fire insurance policy. Having the proper insurance will give you the peace of mind of knowing that no matter what happens to you or your home, you will not have any out of pocket expenses that can run pretty high, especially if there are home repairs or medical bills involved. But insurance can be expensive as well, so you really need to get a few dwelling fire insurance quotes before you make your final decision, to make sure that you are getting the best coverage for the best prices.

In the Event of a Fire

Do you have the right type of insurance coverage in the event of a fire? Even a small kitchen fire can get out of hand; sadly, many homes are lost each year due to fires that started out small. When this happens, you not only lose your home, but everything in it as well. When you have dwelling fire insurance, even though you may lose many things that are of sentimental value and cannot be replaced, you will be able to replace your home and its contents. Dwelling insurance coverage plans should include fire insurance. This way, you do not have to have separate insurance policies for different things.

What If Your Dwelling Is Empty?

You may be wondering if you really need to have a dwelling insurance policy if your dwelling is vacant. The answer to this question is a definite "yes." Even though there is no one living in the dwelling, you still face many risks. Vacant buildings just beg for youths to explore, and they can get hurt. You can be held liable for their medical expenses, and without vacant dwelling insurance, you will have to pay for these expenses yourself. With homeowners insurance dwelling properties, even those that are vacant, will be covered for the same things that the home you live in is covered for.

If you are interested in learning more about dwelling insurance and would also like to get free quotes, you can do so by calling your local insurance agencies, or by visiting insurance companies online and requesting a free quote. If you own any type of dwelling, you need to have insurance, and the sooner you get it, the better.

Who needs Spread of Fire Insurance?

Anyone who owns land which borders on high density farming areas (for example vineyards or plantations) should definitely insure themselves against spread of fire.  Buildings & assets on surrounding properties should also be considered, if these are vast, make sure you have spread of fire cover. Fire can engulf an entire house in 60 seconds. Are you covered?

What is Spread of Fire Insurance?

Our predominantly dry & hot seasons are the perfect incubators for veld fires.  Fanned by our strong winds, these fires have raged out of control and have caused considerable damage to both residential and commercial properties (especially in the Western Cape).   According to the National Veld and Forest Fire Act 01 of 1998, every landowner has a duty to prepare and maintain firebreaks, & to have equipment & personnel ready to fight fires.  In addition to this, if a fire started on your property & spread to an adjoining property, you are immediately assumed to be negligent until you can prove that you weren’t negligent and that you have complied with the Act.  Without spread of fire insurance, you will be liable for the costs of defending yourself plus the awards you are forced to pay if you are found negligent. 

Why should you take out Spread of Fire Insurance?

If a fire starts on your property & spreads to your neighbour’s property, you will immediately be held liable.  Spread of Fire Insurance will firstly pay for your legal defence costs in attempting to prove that you were not negligent.  If we can prove that you did comply with all the regulations in the Act, your claim will end there.  However, if it is found that you were negligent, in addition to the defence costs, the insurance will pay for the damages you caused.

How much does Spread of Fire Insurance cost?

We have a large book of clients with many different insurance companies, so we’ll be able to find you the most economical premiums with the appropriate amount of cover for your particular risk.

Typical Claims incurred on Spread of Fire Insurance policies

In many cases, it is not just the vegetation that catches light, but also the buildings, fences, walls and in some tragic cases, animals and people. 

Whilst the making of fire breaks is mandatory, we also unfortunately receive many claims caused by the implementation of the fire breaks themselves, especially when this process is not watched carefully.

What other insurance should be considered along with Spread of Fire Insurance?

Spread of Fire Insurance will protect your neighbour’s property against the damages you may cause to it, however, you should also insure your own property against fire.  Speak to us about Multiperil, Farmers, Commercial or Residential insurance for your assets.