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Homeowner's insurance covers many different claim situations including fire. In fact, fire costs insurers multi-millions of dollars each year.
You should always purchase the most appropriate type of policy for your area. An experienced broker will not only shop major carriers but also review the best type of policy for your situation.
Vice President/Agent, Best Rates Insurance Inc, Kalispell Montana
Home insurance covers fires with most carriers and the type of policy you have. Also it matters on how the fire was started lightning that started the forest on fire by your home or if the neighbor child lit fireworks and it caught the field on fire and your hope.
Two different examples of fires one the home should be covered by your insurance the other could be paid by the person that started the other fire.
I highly recommend you contact your agent and make sure you are properly covered and also make sure you home is clear of debris and brush to make sure that if a fire is heading your direction that you have a clean perimeter around the home. There are things that you can spray on your home that will prevent it from burning if you know a forest fire is on it's way Also
Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
A standard modern Homeowners' policy does provide coverage both for your home and personal belongings in the event they were lost or severely damaged by fire. Fire is a named covered peril in these policies and I have not seen one that makes any distiction between any type or scope of fire. It is always a good idea to talk to your Insurance Professional about the specific terms, conditions and limitations that are included in your particular policy in order to gain the most complete understanding of all of it's provisions. If there are any gaps in coverage, they will also be able to advise you as to what options you have available to resolve those gaps.
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You should always purchase the most appropriate type of policy for your area. An experienced broker will not only shop major carriers but also review the best type of policy for your situation.
Two different examples of fires one the home should be covered by your insurance the other could be paid by the person that started the other fire.
I highly recommend you contact your agent and make sure you are properly covered and also make sure you home is clear of debris and brush to make sure that if a fire is heading your direction that you have a clean perimeter around the home. There are things that you can spray on your home that will prevent it from burning if you know a forest fire is on it's way Also