One of the biggest exposures you'll have when you own property is fires. They're unpredictable and can rip through your home or business without warning. Mississippi homeowners insurance, among other policies, commonly provides fire coverage for your personal property.

Fortunately, a Mississippi independent insurance agent can help with options. They have a network of carriers and do the shopping for free. Get connected with a local adviser for tailored quotes in minutes. 

What Is Fire Insurance?

Each policy you obtain will typically come with fire insurance. This coverage can protect your structures and belongings from damage caused by a fire. 

Total number of reported fires in the US (in 1,000s)

The number of fires in the US is constant. No matter how many safety measures you take, sometimes they are unavoidable. This makes having the right coverage extremely necessary.

What Does Fire Insurance Cover in Mississippi?

In Mississippi, there were 414,262,000 homeowners insurance claims paid out in one year alone. Some those claims had to do with property damage and fire losses. Check out how fire insurance can help in the event of a loss.

What fire insurance covers:

• Replacement or repair of personal belongings
• Replacement or repair of business belongings
• Replacement or repair of your home
• Replacement or repair of your commercial property
• Replacement of repair of your vehicle
• Medical expenses caused by a fire

What Doesn't Your Mississippi Fire Insurance Cover?

Fire insurance is just one coverage in a sea of limits that you'll need to consider. Take a look at some standard exclusions when it comes to your fire insurance:

• Flooding: Flooding is insured under a separate flood insurance policy. 
• Theft or vandalism: Theft or vandalism of your property is covered under your primary policy. 
• Severe storm damage: Severe storm damage is covered under your primary policy.

Is My Mississippi Home Covered in the Event of a Fire?

Your primary homeowners policy has several limits of protection. Each policy comes with a list of common losses that are automatically included under each limit. 

Total number of reported home structure fires in the US (in thousands)

Every home is at risk for a fire loss. Fortunately, your homeowners insurance policy comes standard with coverage against fire damage. 

Is My Vehicle Protected with Fire Insurance in Mississippi?

Your car insurance comes with a list of optional coverages. The minimum limits of liability required in Mississippi at are $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident. However, if you want coverage for fire damage to your vehicle, you'll need to add comprehensive insurance to your policy. 

Is My Commercial Property Covered under Fire Insurance in Mississippi?

In Mississippi, your primary commercial property insurance will have protection against fire damage. Fire coverage will be applied to each property policy in the amount preselected per item or in a blanket value. It's best to consult with a professional on what limits are suitable for your business belongings and structures. 

How an Independent Insurance Agent Can Help in Mississippi

Fires can occur without a moment's notice, wreaking havoc on all involved. While you may think a fire could never happen to you, it's impossible to know for sure. It's best to be proactive and prepare for all the what-ifs.  

Fortunately, a Mississippi independent insurance agent can help you find a policy that protects against fire damage and more. Since they work with numerous carriers, you'll get coverage for an affordable price. Connect with a local expert on TrustedChoice.com for free today.