As devastating wildfires continue to make national news, many homeowners are worried about their risk for fire damage. Fortunately, you can rest assured knowing that standard home insurance policies do offer coverage for fire damages. Here’s what your fire insurance can do for you.
What does fire insurance cover?
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.
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 policy. Do you have additional questions regarding your home coverage? If so, then contact the experts at Phocus Insurance in Phoenix, Arizona. We are ready to assist you with all your homeowners insurance needs today.
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