While everyone hopes it doesn’t happen to them, fires are one of the most destructive—and costly—events that can happen to your home and it’s essential to have the right protections in place so you’re prepared in the case that it actually does happen.

That’s why

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for

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and

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, is giving you the rundown on fire protection services across the country. Read on to learn more about the services Superior Fire Protection offers and how fire preparedness could earn you discounts on your home insurance.

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What type of business is Superior Fire Protection?

Superior Fire Protection

has offered fire protection services in California since 1992. The company specializes in servicing fire sprinklers for residential and commercial properties in Orange County, Los Angeles County, and Riverside County.

Superior Fire Protection’s primary services can be divided into three main categories:

Fire sprinkler system design

Fire sprinkler system installation

Fire sprinkler system inspections

MORE:

Does car insurance cover fire damage without extra coverage?

What fire protection services does Superior offer?

Here’s a more in-depth look at some of the services Superior Fire Protection offers:

Fire system design: An engineer will prepare up-to-code fire sprinkler system plans for your particular building’s needs, whether it’s for commercial, industrial, or residential purposes.

Fire sprinkler installation: Superior can install your fire sprinkler system for you and work in cooperation with other owners and contractors if you’re completing additional construction or remodeling projects.

Fire sprinkler inspections: Superior says it can inspect all kinds of fire sprinkler systems and ensure they meet NFPA codes and California Title 19 requirements.

Fire sprinkler repairs and maintenance: Superior can address wear and tear problems on an existing fire sprinkler system to keep it in working order.

MORE: How to conduct a home fire safety inspection

What makes Superior’s fire protection services unique?

Here are a couple of things that make Superior Fire Protection unique.

Commercial and residential services offered

While some fire protection service companies only serve commercial and industrial properties, Superior Fire Protection also offers its services to residential properties. Beyond that, they also have a multilingual staff available to help their customers.

Focus on sprinkler systems

Superior Fire Protection offers services for what it knows best: fire sprinkler systems. With 30 years of experience, Superior Fire Protection offers everything you need to keep your sprinkler systems in great condition.

The downside: limited locations

Superior Fire Protection is something to consider if you’re a business or homeowner in Orange County, Los Angeles County, and Riverside County, but if you’re located elsewhere in California, you’ll need to find another fire protection service provider.

MORE: What is fire/smoke/explosion insurance?

How fire protection could save you money on home insurance

Buying a home is a big investment, so you want to keep it in good condition. Part of that is ensuring your home has adequate protection from risks like fires with the right fire protection systems—which could also get you some welcome

discounts on your home insurance premium

Fire damage to a home can be costly, so having the right protections in place ahead of time can help limit the extent of damage a fire causes. Since these protections mean a reduced financial risk for home insurance providers, they often offer discounts on premiums as an incentive to have them.

Available fire safety discounts will vary depending on your insurance provider, but some common examples include:

Installation of fire and smoke detectors

Having fire extinguishers in your house

Living in a home with fire-resistant building materials

Installing a fire alarm system that will automatically contact emergency services, reducing response time

Installation of a sprinkler system

Living close to a fire department, reducing response time

You can check with your home insurance provider to see what kinds of fire safety discounts you might be eligible for.

According to the

National Fire Protection Association

, 379,500 residential structure fires in the United States resulted in $8 billion in property damages. Because fire damage can be so costly, it's important to have adequate home insurance coverage.

Here are some ways that various types of coverage under a home insurance policy can assist with costs after a house fire:

Main dwelling coverage helps with repair or rebuilding costs, depending on the severity of damage after a house fire. It’s a good idea to consider having enough coverage for a total rebuild if a fire renders it a total loss.

Additional living expenses coverage, also known as loss of use coverage, can cover living expenses—like meals, hotel rooms, and home rentals—if it’s temporarily uninhabitable after a fire.

Personal property coverage will cover the costs of lost and damaged items up to a certain amount after a fire. It’s important to note that if you have rare or valuable items, you might need to purchase additional insurance.

Liability coverage can assist with legal costs in certain situations, like if you experienced a house fire that spread to your neighbor’s property and they decided to file a lawsuit against you.

How much home insurance will cover and to what extent will vary from policy to policy, so it’s important to read your own policy’s language closely to understand what is and isn’t covered.

MORE:

Home insurance and fire coverage: what’s covered?

How to save money on homeowners insurance

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