Does Homeowners Insurance Cover Fire

Does Homeowners Insurance Cover Fire

When protecting your house and possessions, homeowners insurance is essential. The fear of fire is one of the most common risks homeowners face. A house fire can be catastrophic, causing both emotional and financial anguish. As a result, it is critical to understand whether your home’s insurance policy covers fire-related losses. In this blog post, we will look at the coverage given by home insurance for fires and explain crucial factors to consider to ensure you have appropriate protection. Does home insurance cover fire caused by cigarette? Let’s find out!

Do you need homeowners insurance?

Understanding Homeowners Insurance Coverage

Homeowners’ insurance often protects against a variety of risks, including fire. However, it is critical to study your unique policy to determine the scope of coverage given. Homeowners’ insurance policies typically include housing coverage, personal property coverage, and supplementary living expenses coverage. Let’s look at each of these features to get a better idea.

Dwelling Coverage

The primary component of homeowners insurance is dwelling coverage. It safeguards your home’s physical structure, including the walls, roof, floors, and associated structures such as garages or sheds. In the event of a fire, dwelling coverage assists in covering the costs of repairing or rebuilding your home. However, the coverage level should be enough to restore your home at current building prices.

Personal Property Coverage

In addition to the dwelling coverage, homeowners insurance often covers personal goods damaged or destroyed in a fire. Personal property coverage pays for replacing or repairing items, including furniture, gadgets, clothing, and appliances. However, studying the policy’s limits and exclusions is critical, as certain high-value goods, such as jewelry or artwork, may be excluded. If you have precious items, you may need extra coverage, such as a scheduled personal property endorsement or separate valuable items insurance.

Additional Living Expenses Coverage

If your home is rendered uninhabitable due to a fire, your homeowner’s insurance policy may provide coverage for additional living expenses (ALE). ALE coverage assists in covering the costs of interim housing, meals, and other expenses while your house is being restored or rebuilt. Because each policy may have various terms and conditions, it’s critical to understand the duration and limitations of ALE coverage.

Factors to Consider for Home Insurance

Consider these points regarding home insurance coverage:

Review your policy: Understand the policy limits, deductibles, exclusions, and optional endorsements.

Maintenance and safety: Keep your home in good condition and implement fire safety measures like smoke alarms and extinguishers.

Wildfires and natural disasters: Coverage for these events may vary based on your location. Explore additional coverage options if you live in a high-risk area.

Document your belongings: Maintain an inventory with photos, receipts, and appraisals for easy claims processing.


At Pelican Insurance Agency, we are dedicated to providing homeowners with complete fire protection coverage. Our insurance offers dwelling coverage to rebuild your home, personal property coverage to replace destroyed goods, and supplementary living costs coverage to cover temporary living expenditures. We ensure that your homeowner’s insurance meets your needs and provides you with the peace of mind you deserve with our experience and individual service. Contact us right away to acquire the coverage you require.