How Fire Liability Insurance Gives You More Protection

Fire liability insurance covers you when your actions, or lack of actions, enables a fire to destroy or damage other peoples’ properties. Basic fire insurance and basic liability insurance do not include fire liability insurance, so you need to search for this option independently.

Why You Need It

If a fire starts in your home and spreads to a neighbor’s home, the neighbor can sue you for not containing the fire. Fire liability insurance covers you for the damage done to the neighbor’s property.

If you are renting or leasing a property and a fire causes damage, because you are not the owner, the damage is technically being done to someone else’s property. You can be sued by the owner and will be at risk to lose your assets if you do not have fire liability insurance. If you have anything to do with the cause of the fire in a place that you rent or lease, the owner’s insurance will not cover the damage.

If you are in the business of burning prescribed forest fires, you definitely need to have fire liability insurance. If you do not have it, you can be held accountable for unplanned spreading of the fire, smoke damage, bodily injuries, and many other uncontrollable events. Fire liability insurance for prescribed fire starters is different than regular fire liability insurance. Make sure that you are covered.        

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