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Fires should not cause home insurance premiums to rise

homeowners-insurance-fires Suspicious fires have razed houses around North Waco for months, creating concern in neighborhoods hardest hit. But those blazes will not necessarily cause a spike in homeowners’ insurance premiums, local agents and a spokesman for the Texas Department of Insurance said.

Insurance companies typically take a long-term approach to calculating losses when they set rates and apply them to individual homeowners.

They look closely at the age and condition of a house, its construction materials, an area’s crime rate and the home’s proximity to hydrants and fire stations, TDI spokesman Jerry Hagins said.

“From what I’ve heard about the fires in Waco, they would not directly affect the cost of homeowners’ insurance,” he said.

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Clarence Insurance is conveniently located on Main St. between Transit Rd. and Harris Hill Rd. in Clarence. We welcome you to stop in or contact us anytime!

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  • 8330 Main St.
    Williamsville, NY 14221