Enjoy the Full Benefits of Your Home with Fireplace Coverage

Chicago (InsuranceAgents.com) – Sure, a fireplace can warm a room up in the winter and provide Santa Clause easy access to the Christmas tree, but is it really worth it if means a higher homeowners insurance premium? If you can’t live without your fireplace but don’t want to keep paying a high premium for coverage, consider investing in fireplace coverage.

A recently published article on InsuranceAgents.com discusses the risks fireplaces present in homes. “Dismissing the financial risk of an uninsured fireplace in your home can be disastrous for your home and your savings,” the article, Homeowners Insurance Quotes & Your Fireplace, reports. “Home fires are one of the most common insurance claims homeowners make today, causing fireplaces to be seen as a very risky source. [And] the more of a ‘high risk’ client you are, the more costly homeowners insurance quotes you will find.”

By owning a fireplace, you are susceptible to several risks: sparks and rolling logs getting out of the fireplace and catching fire onto the house and personal belongings, sparks reaching through the chimney and catching the roof on fire, and bodily harm/liability risks. Because of these, fireplace coverage should be a no-brainer.

Since most standard homeowners insurance policies don’t include fireplace coverage, there are several ways to obtain it. Adding an endorsement to your current policy or talking to a homeowners insurance agent are the most popular ways. You can also obtain quotes by going online in the convenience of your own living room.

“Adding a fireplace to your policy may result in higher homeowners insurance quotes, since a fireplace poses certain serious risks to the home and members of the household,” the article describes.

Don’t wait to obtain fireplace coverage before it’s too late. Although a fireplace has its advantages, it is also capable of producing much damage. Affordable coverage can be found in minutes, so what are you waiting for? Visit InsuranceAgents.com today to start looking for reasonable rates in your area.

Staff contribution: Rafael Onak

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