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Typically, wind, lightening, fire an many other claims are covered under a homeowner's policy. Your contents and expenses associated with living somewhere else while the house is being repaired are also generally covered.
However, there are insurance companies that may not provide coverage on your home if you do not meet specific criteria, such as the age or condition of your roof etc...
An experienced broker or a reputable national website can help you review free quotes and quickly compare the best options.
Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
Fire is a basic peril of homeowners insurance. This is where the term fire insurance came from. However over the years with brush fire exposure ever increasing especially with peoples desire to live closer to nature insurance carriers have pulled out of the market place in these high hazard areas. This has left consumers either going without insurance or having to go with the Fair Plan. If a consumer purchases coverage through the Fair Plan which will cover you for the peril of fire the consumer may then purchase an additional policy form an insurance carriers called a DIC policy (difference in conditions). A DIC policy will then pick up all the perils the Fair Plan left off providing you purchase special form. Now here is the danger. Consumers will often get the two confused and let the Fair Plan policy lapse often due to high cost leaving themselves exposed to the peril of fire. Make sure you have a discussion with your local agent for more details.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
A homeowner’s policy covers any kind of fire damage to the residence and its contents. Insurance companies are reluctant to write homeowner’s policies where the risk is greater than average and will shut down areas when the risk is imminent. A problem that occurs with wildfire is that reconstruction costs can skyrocket when a wildfire takes out a group of houses. It is important to consider that carefully with your agent to make sure that there is adequate coverage to replace your residence.
That is a great question! In most areas of the country, a fire that destroys or damages your home would be covered under your homeowners policy. Fire was the original reason that homeowners policies really became popular. In those areas of the country where wildfires are more of a hazard, it may not be. Many companies in those areas will only add wildfire coverage as a rider, or a separate policy, in much the same way that flood damage isn't included in many coastal areas. The coverage has to be purchased as a flood insurance policy. Check with your agent to find out if your policy does, or doesn't cover you. Thanks for asking!
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However, there are insurance companies that may not provide coverage on your home if you do not meet specific criteria, such as the age or condition of your roof etc...
An experienced broker or a reputable national website can help you review free quotes and quickly compare the best options.