Types of Fire Insurance

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Fire insurance is an insurance policy purchased in order to cover any damage to property caused by a fire. It is a specialized form of insurance beyond regular property insurance, which is designed to cover the cost of replacement and/or repair, beyond what is covered by your basic property insurance policy. Most homeowner’s and commercial policies have fire insurance, but few truly understand what it is and how it works. These policies list a number of perils that are covered by the policy and exclude perils that are not covered. Specific perils can also be purchased separately and added to any policy. In this post, Long Island Insurance Executive, Gregg S. Marcus lists the six principal types of fire insurance policies:

1. Valued policy
If the agreed value of the matter at subject is stated in the policy, it is a valued policy. This may not be the actual value of the property, though in the event of a fire the insurer must pay the mentioned value to the customer.

2. Unvalued policy
Also known as an open policy, an unvalued policy is one in which the value of the subject matter is not specifically declared when the policy is taken on. Although in the event of a loss the value is computed and assessed.

3. Specific policy
In a specific policy the policy is insured for a definite sum. In the time of an incident, the agreed upon sum will be paid to the policyholder. In this agreement the actual value of the property in regard is not considered.

4. Average policy
An average policy contains an average clause. An average clause requires the insurance company to pay only the portion the subject value that was agreed upon in the policy, i.e. 60% of the total value.

5. Floating policy
Floating policies cover the fluctuating risk of multiple goods located in several locations used for supply of various markets. For example, the sum of the goods located at either docks or in warehouses owned by a businessman.

6. Standard fire policy
A standard fire policy is issued in order to compensate for direct damage or loss caused by a fire, this policy also covers damage by natural disaster such as earthquakes, floods, or hurricanes.

If you have further questions about fire insurance or need a new homeowner’s or commercial insurance policy in Nassau County or Suffolk County on Long Island in New York, contact Gregg S. Marcus today.

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