Call Us 319-366-6288 ☰ ˟
Logo
  • Our Agency
    • AboutImage of right arrow
      • Business Affiliates
      • Our Staff
      • Our Locations
    • COVID-19 Update
    • Testimonials
    • Our Community
    • Get A Quote
    • Our Providers
  • Products
    • Home & Auto Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Diminishing Deductible
      • Accident Forgiveness
      • Minor Violation Forgiveness
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Personal Injury Protection (PIP)
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Other Personal InsuranceImage of right arrow
      • Identity Theft
      • Personal Umbrella Insurance
      • Data Backup
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Health InsuranceImage of right arrow
      • Individual & Family Health Insurance
      • Group Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Long-Term Care Insurance
      • Temporary Health Insurance
      • Supplemental Insurance
      • Disability Insurance
      • Medical Expense Insurance
      • Child Health Insurance
      • Travel Health Insurance
      • Prescription Insurance
      • HSAs
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
    • Additional Insurance ServicesImage of right arrow
      • Special Event Insurance
      • Wedding Insurance
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Bar Insurance
      • Builders Risk Insurance
      • Car Dealership Insurance
      • Cargo Insurance and Freight Insurance
      • Catering Insurance
      • Cleaning Business Insurance
      • Condo Association Insurance
      • Construction Insurance
      • Consulting Firm Insurance
      • Contractors Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Dental Practice Insurance
      • Dump Truck Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Food Truck Insurance
      • Fleet Insurance
      • Garage Insurance
      • Handyman Insurance
      • Hotel Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • HVAC Contractors Insurance
      • Law Firm Insurance
      • Life Science Insurance
      • Limousine Services Insurance
      • Liquor Liability Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Maritime Employers Insurance
      • Media & Advertising Insurance
      • Non Profit Insurance
      • Nursing Home Insurance
      • Nursing Insurance
      • Orthotics & Prosthetics Insurance
      • Personal Trainer Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Railroad Contractors Insurance
      • Real Estate Businesses Insurance
      • Restaurant Insurance
      • Retail Insurance
      • School Bus Contractors Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Snow Plow Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tow Trucks Insurance
      • Water Well Drillers Insurance
      • Veterinary Insurance
    • Coverage for Your BusinessImage of right arrow
      • Bonds
      • Business Catastrophe Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Real Estate Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Cyber Liability Insurance
      • Employment Practices Liability Insurance (EPLI)
      • Equipment Insurance
      • Errors and Omissions Insurance
      • Fidelity Bonds
      • Leave Management
      • Loss Control Insurance
      • Inland Marine Insurance
      • Marine Insurance
      • Office Insurance
      • Product Liability Insurance
      • Professional Liability
      • Small Business Insurance
      • Small Business Liability Insurance
      • Storage Insurance
      • Surety Bonds
      • Technology Insurance
      • Trailer Insurance
      • Transportation Insurance
      • Trucking Insurance and Semi Truck Insurance
      • Workers Compensation
    • Coverage for Your EmployeesImage of right arrow
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
  • Resources
    • Refer a Friend
    • Blog
  • Contact Us
Icon Auto Icon Home
Icon Business
Icon Life
Icon Motorcycle Icon Boat
Home > Blog > Do You Have Home Insurance for House Fires?
WEDNESDAY, FEBRUARY 1, 2023

Do You Have Home Insurance for House Fires?

What are some of the disasters that you worry about happening in your home? A house fire is probably near the top of your list. Not only will you have little to no warning of when a fire might occur, but there are also multiple hazards that might cause these events. Any fire could cause significant damage to, if not the destruction of, your home. It is natural for you to want to have protection from the ramification of these losses. Homeowners insurance might be the solution.  
paper house on fire
Still, while homeowners insurance will often cover fire damage, it won’t always do so. You’ll have to carefully review your policy to ensure it applies to your unique loss.  

Homeowners Insurance for Fire Damage  
In most cases, you cannot predict when a house fire will strike your home. As a result, your homeowners policy will consider a fire among the perils it covers. After the fire, the policy might pay for:  

  • Structural damage and repairs (along with damage to detached structures) 
  • Damaged personal possessions
  • Additional living expenses you incur if you must temporarily move out of the home
  • Liability coverage to pay damage done to others if your house fire spreads to their property 

All the same, your policy will not pay unlimited damages for all types of fire losses. Therefore, you’ll have to look closely at your coverage terms to see how much you stand to gain as a result of a claim.  

Limitations to Your Homeowners Insurance  
All homeowners insurance policies will include multiple terms that define when your coverage will pay you. So, while the policy might state it covers fire damage, you might have to dig a bit deeper to see if any conditions apply.  

  • Usually, fires must result from unexpected or unavoidable incidents to have coverage. Intentional fires set by the homeowner will not have coverage. 
  • Some policies will cover damage from wildfires automatically, but in other cases you might need a policy endorsement added to your coverage. 
  • Damage from accidents like cooking fires or tipped candles will have coverage. 
  • Fires arising from electrical issues will often have coverage. 


Your policy will only pay up to its coverage limits for the damage to structures and possessions. So, to receive optimized coverage, you’ll have to increase your coverage to match the value of these belongings. Furthermore, deductibles will apply to most fire damage claims. If your total cost of damage is lower than the deductible cost, then you will receive no compensation from your policy. 

Posted 12:47 PM

Tags: home insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021

  • home insurance(5)
  • auto insurance(5)
  • commercial property insurance(4)
  • business insurance(4)
  • general liability insurance(3)

View Mobile Version
Insure your needs today!
Social Social Social
Quick Links
Home
Get A Quote
Customer Service
Payment Options
Report a Claim
About Us
Our Carriers
Partners
Blog
Contact Us
Location 1110 Dina Ct.
Hiawatha, IA 52233

P: 319-366-6288
Powered by Insurance Website Builder