$1,000,000 each accident for bodily injury by accident; $1,000,000 each employee for bodily injury by disease; $1,000,000 policy limit for bodily injury by disease.
U.S. fire departments responded to an estimated average of 358,300 home structure fires per year during 2010-2014, which represents three-quarters of all structure fires. Home fires caused an annual average of:
- 2,560 civilian fire deaths, or 93% of all civilian structure fire deaths,
- 12,720 civilian fire injuries, or 87% of all civilian structure fire injuries, and
- $6.7 billion in direct damage, or 69% of total direct damage in structure fires.
Cooking equipment was the leading cause of home structure fires and home fire injuries and ties with heating as the second leading cause of home fire deaths.Smoking was the leading cause of civilian home fire deaths. Heating equipment was the second most common cause of home fires, fire deaths, (tied with cooking), and fire injuries.
Where do the majority of fires occur?
Residential – 29.1%
Nonresidential – 8.3%
Vehicle – 14.3%
Outside – 42.8%
Other – 5.6%
Source: US Fire Administration