Today, it is difficult to foresee if a disaster is going to hit the home, and having a home insurance helps alot when disaster strikes.
You will find that home fire insurance is very useful for your home, especially insuring against fire as fire can strike anytime without any warning.
Nevertheless, if you are living in a part of the country where it is very hot and also very dry like in Arizona, home fire insurance is almost a necessity and you would be foolish to live in a home without also having home fire insurance for it.
It is more than geographical that may cause fire, cigarette can be another cause of fire, and if you do have people smoking at home, then there is a danger of fire.
Thus, it will pay to have home fire insurance because smoking can cause a fire to break out at any time.
However, if you are a smoker and taking out home fire insurance, expect to pay higher premiums because statistics show that about twenty thousand residential homes in the US get burnt down each year and thus the risk is quite considerable.
As one cannot predict the fire, home fire insurance becomes even more important.
What's more, with heavy usage of electricity in every home in the US, there is also risk of a fire breaking out due to a short circuit, or because of faulty wiring and even because of negligence in handling electrical and electronic items and gadgets.
