Arizona is a dry, flat state known for its extreme heat and wildfire risk. People don’t always appreciate the risk because of the flat land, but we at Arnold Insurance Company understand wildfires all too well. We care about the well-being of our clients and want to help you eliminate or minimize losses associated with wildfires. Avoiding wildfire damage starts with respecting them.
Why the Wildfire Risk in Arizona is High
Arizona is home to six national forests. All it takes is for someone to throw a lit cigarette butt or not attend to their campfire to instigate sparks. With Arizona’s dry climate, sparks can quickly evolve into a wildfire spreading beyond the forest land.
However, national forests are not the only place where a major fire can take place. Arizona has plenty of urban, suburban, and rural areas where a home, vehicle, or business can quickly go up in flames. Should you experience any type of fire, it’s good to know that AIC in Arizona offers insurance coverage for your losses.
Types of Insurance to Protect You from the Wildfire Risk in Arizona
Wildfires can destroy several types of personal property. You may worry about damage to your home, especially if it sits close to a national forest. AIC in Phoenix, Arizona offers homeowners’ insurance to meet any need. We understand that having a fire destroy your home and the personal belongings inside of it is devastating. Our first concern is to make sure that you and your family are safe. Once we have done that, we will assist you with completing a homeowners’ claim.
We also recommend a comprehensive auto insurance to cover fire damage since this benefit is not available with a liability-only policy. Depending on your selections, your policy could pay to repair or replace a fire-damaged vehicle and the contents inside it. Your child’s car seat or a computer for work are just two common examples.
If you own a business, a fire could have a potentially devastating effect. Brandon Shipman will review your business needs to see which types of policies and coverage amounts would work for you. Common options are commercial property insurance, business income coverage, and general liability insurance.
You can also purchase a business owner’s insurance policy and receive all three types of coverage at once. When you think of how easy it would be for fire to destroy your building, tools, inventory, and other business assets, insuring with AIC in Arizona provides the peace of mind you need and deserve
Tips to Prevent Wildfires
You have probably heard Smokey the Bear say many times that “Only YOU can prevent wildfires.” Here are some ways you can make Smokey proud, whether you camp often, live close in a high-risk area, or just need tips around the home.
- Be sure to use a fire pit lined with stones with no vegetation growing on it.
- Never leave campfires to burn overnight.
- Avoid starting campfires on windy days.
- If you smoke, place your cigarette butt in water to make sure the flame goes out.
- Keep matches and lighters out of the reach of children.
- Use a 50-gallon drum or higher to burn yard waste and don’t include anything combustible.
- Don’t allow gasoline from your car to drip onto dry land.
Despite your best efforts, you may still find yourself the victim of an Arizona wildfire.
AIC Insurance Executive, Brandon Shipman, knows the unique risks of Arizona homeowners. He will review your insurance options, including available coverage amounts for your primary dwelling, detached structures, and personal property. Brandon Shipman understands that all clients have different needs and will help you choose appropriate coverage levels and deductible amounts. Click here to contact him directly, and if you're outside the Arizona market, click the button below!
