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 a fire sprinkler system, it’s just a matter of time.


Harris Interactive® Survey

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


Insuring a Home with a Residential Sprinkler System

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


Resources for Insurance Professionals

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