A standard fire insurance policy protects your home or business structure against damage caused by fire, lightning, and explosions. Depending on your needs, DFG Insurance can include additional perils—such as smoke damage, water damage from firefighting efforts, and even coverage for debris removal and rebuilding costs. Whether you’re seeking fire insurance in Sequim, fire insurance Port Angeles, or fire insurance Forks, our agents tailor each policy to ensure your property’s reconstruction and contents are fully protected.

To request a fire insurance quote in Port Townsend, Poulsbo, or anywhere on the Olympic Peninsula, simply contact our office by phone or use our online quote form. We’ll collect details about your building’s construction materials, age, proximity to fire stations, and safety features—like sprinklers or smoke alarms—to provide you with the most accurate, competitive rate from our network of top-rated carriers.

Yes. Bundling your fire insurance with other lines—such as home insurance or commercial auto insurance—often leads to substantial multi-policy discounts. For example, homeowners in home insurance Sequim who add fire insurance Sequim and auto insurance Sequim frequently see their overall premiums reduced while maintaining robust protection across all their properties and vehicles.

 Absolutely. As a multi-state agency, DFG Insurance provides fire insurance in both Oregon and Arizona. Our licensed agents in those states understand the local wildfire risks, building codes, and regulatory requirements, ensuring your coverage meets state-specific standards and addresses the unique hazards of your region.

Several factors affect your fire insurance rate: the age and construction of your building (e.g., real estate built with fire-resistant materials may qualify for lower premiums), the value of your structure and contents, the property’s distance from fire services, neighborhood fire risk, and safety features like alarm systems or sprinklers. We guide you through each element so you understand how to manage risk and secure the best possible rate.

If your property is damaged by fire, contact DFG Insurance immediately. We’ll help you document the damage—photographs, inventories of property damage, estimates for repair or replacement—then work directly with the insurance carrier to expedite the claims process. Our goal is to ensure you receive prompt, fair settlement to restore your property and minimize disruption.

Homeowners insurance typically includes fire as one of many covered perils, whereas a standalone fire insurance policy can offer higher limits and specialized endorsements—such as coverage for business property or outbuildings. For commercial clients, we recommend commercial auto insurance separately, but your fire policy can be designed to protect equipment, inventory, and structures beyond the scope of a typical homeowners plan.

Since 1928, DFG Insurance (formerly Doty, Fryer, Poulsbo Junction, Gellor) has provided local expertise, independence, and access to top insurers. Whether you’re in fire insurance Poulsbo, Seqium, or across state lines in insurance Oregon, our team offers personalized guidance—understanding community risks, negotiating competitive quotes, and delivering fast, reliable support at claim time.