What Does Fire Insurance Cover?

What can the fire coverage included in your homeowners policy do for you?firefighters at work

Fires are some of the worst, most devastating disasters a homeowner can face.  Fortunately, standard homeowners insurance policies offer coverage for the damage and losses associated with fire.  Curious to know about the specifics of this coverage?  Then here’s what you need to know about fire insurance.

  • What does fire insurance cover?

Your homeowners insurance offers coverage for fire damage to your home, the contents of your home, and your additional living expenses if you and your family must live elsewhere while your home is being repaired.  It’s important to note that the additional structures on your property, such as storage sheds, fences, detached garages, etc., are also covered by most home insurance policies.

  • Does fire coverage have exclusions?

All insurance policies are subject to certain limits, and your homeowners insurance is no different.  When it comes to fire, your policy will not offer coverage if the fire was caused by war, nuclear damage, and other associated perils.  The damages caused by arson are also not covered by your home policy.  Your insurance will also exclude coverage for fires that break out in a vacant home.  A home is considered vacant if it has been uninhabited for more than 30 consecutive days.

  • Do I have protection against wildfires?

With wildfires becoming more common and more deadly every passing year, many homeowners are anxious about securing wildfire protection.  Fortunately, standard homeowners insurance policies offer coverage for the damages and losses caused by a wildfire.  If you live in an area that is particularly prone to wildfires, then you may want to speak to your insurance provider and ask if there are options to secure supplemental wildfire coverage for your home.

This is what you need to know about the fire coverage included in your homeowners insurance.  Do you have additional questions regarding your homeowners insurance?  If so, then contact the experts at ISU-Wissink Insurance in Culver City, California.  We are ready to assist you with all your coverage needs today.