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What Does Homeowners’ Insurance Cover for Fires?

Being prepared with homeowners’ insurance is one of the smartest investments a homeowner can make.

Homeowners’ insurance is a safety net set in place to protect you and your home against unexpected disasters, such as fires, and help you avoid financial distress as a result of these disastrous events. Most insurance policies include coverage for accidental fire damage, such as assisting with repair costs for your property and covering additional expenses if relocating for a bit is necessary. Today, we’re taking a look at what homeowners’ insurance covers in the unfortunate event of a fire.

Continue reading to learn more.

Homeowners’ Insurance and Fires

Generally speaking, fire insurance is a standard part of your insurance policy; however, some policies do not include fire damage coverage and require a separate or additional policy for fires. Fire insurance is what can help you pay the costs to repair your home in the event of a fire. Since fire insurance is included in most homeowners’ policies, there is no additional fee for its coverage. It is best to verify what is specifically covered in your current policy with your insurance company.

Homeowners’ insurance covers damages caused by fires in a handful of ways, for example:

DWELLING COVERAGE — The structure and materials of your dwelling (your home) are protected by this type of coverage. It will help pay for the cost of repairs after your deductible has been met if the structure of your property is destroyed or damaged by a fire. Dwelling coverage will only cover expenses up to your coverage limit, so it is important to ensure you have enough coverage to match your home’s value and a little on top.

PERSONAL PROPERTY COVERAGE — If the items inside your home are destroyed or damaged by a fire, your personal property coverage will help cover costs to replace your things up to your coverage limit.

LOSS OF USE COVERAGE — Loss of use coverage can help pay for additional living expenses if you are unable to live in your home due to destruction or damage caused by fire by covering the costs of relocating, hotel or rental expenses, food, laundry, and more. 


PERSONAL LIABILITY COVERAGE — In situations where your home is damaged or destroyed by a fire, and it spreads to your neighbor’s house, you could be held liable for damages. Personal liability coverage can help cover settlement expenses if your neighbor takes you to court.

Contact Restoremasters Today

If your Northern Utah home has suffered damage due to a fire, flood, or mold, contact the experts at Restoremasters today. We will work with your homeowners’ insurance company to ensure you are taken care of and take some of the stress off you and your loved ones. Our knowledgeable technicians specialize in both emergency and non-emergency restorations and are available 24/7 to meet all of your needs. 

With more than 100 years of combined restoration experience, our team of professionals will restore your business or home the way it should be done. Contact us today. We serve Salt Lake City, Ogden, Tooele, and surrounding Utah cities.

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