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What fire insurance covers when it comes to your home.

Fire is one of the most serious and devastating disasters a homeowner can face.  Luckily, all standard homeowners insurance policies provide coverage for fire damages.  However, many homeowners wonder what fire insurance covers when it comes to their home.  Here’s what you need to know about the fire protection included in your home insurance.

  • Coverages

Your homeowners insurance offers coverage for fire damage to your home, damage to 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.

  • Coverage 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.

  • Wildfire Protection

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 fire insurance covers when it comes to your home.  Do you have more questions about your homeowners insurance?  If so, then contact the experts at Promised Land Insurance Group.  Our dedicated team is eager to assist you with all your home coverage needs.

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