What Types of Fire Coverage Does Homeowners Insurance Include?

2/28/2020 (Permalink)

Typically homeowners insurance covers fire and smoke damage

What Types Of Coverage Does Homeowners Insurance 

Don’t wait until you’re in the wake of a home fire to go exploring what your homeowner's insurance covers. Typically homeowners insurance covers fire and smoke damage, with a few exceptions such as arson or a vacant home fire. So, what types of coverage does homeowners insurance usually include?

1. Dwelling and Attached Structures
Dwelling coverage covers repair costs to your home and any attached structure such as a garage or porch. If your home is a total loss, your insurance typically would pay a lump sum, minus the amount of your deductible. If there are only portions of your house that are damaged, insurance would cover the costs to repair them, less any deductible.

2. Detached Structures
In addition to your house, detached structures such as garages, storage buildings, sheds and fences. Landscaping is also often covered.

3. Personal Property
Homeowners insurance typically includes coverage for personal property that’s destroyed in a home fire. This includes everything from clothing to appliances to furniture. It’s best to inventory your possessions in advance of a possible fire. Since valuable items usually have a set per-item limit, each piece should be individually listed with its own coverage amount.

4. Loss of Use
If a major fire occurs at your home you’ll likely have to evacuate and stay in a temporary shelter for possibly months. Homeowners insurance will typically reimburse for living expenses during this time. These expenses including hotel stays and food.

5. Liability
A fire could spread from your house to your neighbor’s property. Liability insurance coverage protects homeowners against lawsuits and other damages associated with this.
It’s important to understand your homeowner's insurance and know what is covered before a disaster occurs. If your property sustains damage from a home fire in Perry, OK, you can trust fire damage cleanup professionals to return your house to its preloss condition as soon as possible.