Resources for Insurance Agents

7.8 Billion in Direct Property Loss From Fire in the U.S.

Fire–The Largest Single Cause of Property Loss

Fire is the largest single cause of property loss in the United States.

The National Fire Protection Association (NFPA) reported $7.8 billion in direct residential property loss from fire in the United States in 2009. Three-quarters of the residential fires took place in one- and two-family dwellings, causing $5.7 billion in direct property loss. Most people are surprised to learn that eight out of 10 fire deaths occur where they assume they are the safest—at home.

In Scottsdale, Arizona, a 15-year study of home fire sprinklers showed that the average loss per sprinklered fire incident was $2,166 compared to more than $45,000 for unsprinklered homes.

A Growing Trend That’s Here to Stay

Fire Sprinklers are Coming to Your Community. If you haven’t yet written a policy for a home with fire sprinklers, it’s just a matter of time.

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Harris Interactive® Survey

A national poll conducted by Harris Interactive® found that nearly two-thirds (69 percent) of U.S. homeowners say having fire sprinklers increases a home’s value.

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Insuring a Home with Fire Sprinklers

Both you and the insured want the same thing – adequate coverage to protect the home and its contents. A home with automatic fire sprinklers is well protected. That is valuable peace of mind.

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Resources for Insurance Professionals

HFSC offers a variety of free materials online and in hard copy that will help you educate your customers.

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