Does Home Insurance Cover Fire
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Does Home Insurance Cover Fire?

Homeowners insurance typically helps cover your home and belongings. Most Homeowners insurance policies include coverages that may help pay to replace or repair your home and its contents when there has been a fire. The National Fire Protection Association reports an average over 350,000 residential fires each year. 

What Is Covered By Homeowners Insurance?

When it comes to fire damage, homeowners insurance typically helps pay for repairs to your home, unattached structures on your property as well as  your belongings.  

Dwelling Coverage

This covers the structure of a home as well as attached structures, such as a garage.

Detached Structures

Also known as “other structures coverage,” most homeowners insurance helps pay for structures on your property that are not attached to your home.

Personal Property

Homeowners coverage usually extends to your personal belongings, such as appliances, furniture and clothing. When your belongings are damaged or destroyed in a fire, homeowners insurance may help pay to repair or replace them. In addition, a standard homeowners policy may help cover landscaping as well. Wildfire damage may also be covered depending on where you live.

How Much Homeowners Insurance Do I Need For Fires?

There is no standard answer to choosing your coverage limits. Your limit is the maximum your policy will reimburse you after a covered loss. You can set your coverage limits based on factors such as the value of your home and belongings. Think about the following:

Choosing Your Personal Property Coverage Limit

You may want to increase your limits for personal property to replace your belongings. Keep in mind that your policy may offer lower coverage limits for certain items, such as jewelry. 

You should also review your policy to find out if it offers actual cash value or replacement cost coverage.

Choosing Your Limit for Dwelling Coverage

The cost of rebuilding after a fire may not be equal to the price you paid for your home, as construction costs and home values fluctuate.

Homeowners insurance may not cover all types of fire damage. For example, if you start a fire yourself or if your home happens to be a victim of an act of war. .

Homeowners Insurance Quotes

From offering liability protection for you and your family to helping you get reimbursed for personal property damage, homeowners insurance provides many types of coverage. Learn more about Homeowners Insurance Coverage or get a free homeowners insurance quote from Klimes Insurance today. Call us at  (480) 596-9456 for more information.

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