Fire Insurance in Metairie, LA

Fires can cause extensive damage to your home, and no matter where you live, the risk is always present. A fire insurance policy can provide essential financial protection against this peril and supplement your other coverages. 

The team at Esplanade Insurance Agency in Metairie, Louisiana, can help you find the insurance that best fits your circumstances. Contact us for more information. 

What Is Fire Insurance? 
Standard homeowners insurance may cover fire damage, but it may exclude coverage for wildfires or only provide coverage for losses up to a limit that doesn’t offer adequate financial protection. Fire insurance can help fill these gaps and is generally available as a separate policy.  

How Fire Insurance Works 
Fire insurance functions similarly to other insurance products. A policyholder pays a premium to an insurance company that agrees to cover losses in accordance with the policy’s terms. To receive this financial assistance that can help pay for repair or replacement costs, a policyholder can work with their agent through the claims process.  

What Does Fire Insurance Cover? 
Policies may cover fire or smoke damage to your property, whether the fire originates from an internal or external source (e.g., electrical fires or lightning strike fires). It typically offers coverage for the following: 

• Your home and its attached structures (e.g., attached garage)
• The detached structures on your property (e.g., sheds)
• Your personal belongings on your premises (e.g., furniture, electronics and clothing). 

Additionally, policies may help pay for living expenses (e.g., food and lodging) if you are forced to live elsewhere temporarily while your house undergoes repairs. Consult with our agents to discuss coverages, limits, exclusions and deductibles. 

How Much Does Fire Insurance Cost? 
The cost of fire insurance depends on several factors, including the age, size and location of your home, the value of the property being insured and your policy’s features (e.g., your selected limit and if the policy provides reimbursement on a replacement cost basis or an actual cash value basis). Reach out to our agents for a quote. 

Where Can I Buy Standalone Fire Insurance? 
Esplanade Insurance Agency can help you get the fire insurance policy that meets your needs. Contact us today to get started.