Do you know if your home insurance covers fire damage?

Of all the disasters that can happen in a home, fire is always the most feared due to its destructive power. The risk of fire is one of the main reasons for getting your home covered by one of the best homeowners insurance companies in California. For all these reasons, there is no doubt that fire coverage is present in the vast majority of home insurance. So what exactly does it cover?

What does home insurance cover?

Fire coverage is usually part of all company home insurance policies, along with other coverages that may or may not be included:

• Damage caused by the fire

 The amount of compensation will be written in the policy’s terms, and it will be essential to check if it affects the content. It needs to be looked at so that you don’t go under or over-insure yourself. In the same way, you can fix the damage that smoke has done.

• Provisional accommodation costs

Best home insurance in California adds the cost of staying somewhere else (like a hotel or apartment) while the house is being fixed.

• Rebuilding the house and parts of the rooms next to it, like the garden

 After the fire, you can take out the policy or have the insurance company handle rebuilding the house. In this last choice, companies limit how much of the cost they will take on.

• The cost of the firefighters

Putting out a fire costs money because the firefighters rendered a service. This is crucial to remember, especially if the fire was caused by carelessness, since the owner could be responsible for the costs. When getting home insurance, it is important to determine if this cost is covered in full or part.

What isn’t covered by home fire insurance?

Even though fire insurance covers almost all of the damage caused by a fire, there are a few things it won’t pay for:

Fires that start with “smoking accidents” can cause much damage (a poorly extinguished cigarette, smoking in bed, igniting an object, etc.)

Damages caused by the buildings not being taken care of. If they were broken or didn’t get the repairs they needed for proper maintenance, the policyholder would have to pay.

Valuables like jewelry, cash, or works of art, unless they have been added to the policy before.

How does home insurance work when there is a fire?

Before giving compensation, home insurance go through a process to make sure the fire was not caused by carelessness:

First, the company looks into whether the fire happened accidentally or on purpose. If you did it on purpose, the top homeowners insurance in California would not pay the policyholder’s claim. These things are taken into account:

Disclaimer

The information provided in this blog is for general guidance purpose only and does not qualify as legal advice. For Insurance specific information kindly contact us at (510) 613 4604 or visit our website https://www.thenamasteagency.com/.