Assurena Insurance Agency is an independent insurance brokerage agency that carries some of the best coverage options in the entire New USA.

Our Contacts

88 Centre Street North,
Toronto L4W 1C9
+1 (419)-507-0468
+1 (213)-345-0468

Working Hours

9.00 - 5.00
8.00 - 5.00
8.00 - 5.00
8.00 - 5.00
8.00 - 4.00

Fire Insurance

According to the National Fire Protection Agency, Americans report a fire in their homes once every five years. This number includes all types of accidental fires regardless of how small.

Most fires are put out quickly hence reducing the amount of damage done, however this is not always the case. Some fires get out of control and the damage caused can be quite significant.

Fire Insurance

Fire Facts

The United States Fire Administration has released the following statistics:

  • Approximately over 374,000 residential fires occur every year in the United States
  • The damage caused by these fires is more than a total of $7 billion every year
  • Home-heating and cooking causes more than 72% of all residential fires

Understanding Your Home Insurance Coverage

A fire in your home can be triggered by more than just one thing. Other than cooking and home-heating, other causes of fire in a home include:

  • Negligent use of candles
  • Malfunctioning heating and electrical systems
  • Matches and cigarettes

By purchasing a fire insurance cover, you will be able to recover your belongings and home after a fire.

You will be happy to know that, you do not need to search for a fire insurance company, your current renters or homeowners insurance will already cover this. However, you need to understand that there are various policies and providers which means that deductibles, coverage limits, and exclusions that will define what is as well as what is not covered might differ from one company to the next. So, you will need to ensure that the current policy offers sufficient coverage in the event of a major loss.

Things To Note

Most homeowners insurance covers only insure against structural loss and damage of property to a maximum value of 50% of the covered value. For instance, let’s say that your policy stipulates $300,00 worth of coverage, the personal property portion would be responsible for offering cover for your personal items up to $150,000.

The compensation you receive in the event that your property gets damaged or lost includes:

  • Deductibles
  • Type of policy you own

While some policies only cover your belongings at current valuation, if you want them replaced new you will have to go for the more expensive ‘replacement value’ policy

Know Your Possessions

It is a very good idea to make a list of all your belongings and bring that list with you when you meet an insurance agent.

There are some policies that have a limit on the insurance they offer for specific kinds of belongings such as electronics, artwork, and jewelry. For these you might have to purchase a separate cover.

The fire insurance does not only include your personal belongings but also any additional structures you might have on your property for instance, a tool shed or a garage.

Depending on your insurer, your fire cover might offer temporary housing, if your home is too damaged by the fire to offer accommodation.

Don’t hesitate, contact us for better help and services. Explore all services.

Switch & Save $478 on Average

Additional discounts and savings for bundling you home and auto. I can not promise a number.

Switch & Save $478 on Average

Additional discounts and savings for bundling you home and auto. I can not promise a number.


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