Fire Insurance Coverage for Your Home


Home fires are one of the worst events to happen to a house. All it takes is a small spark to engulf a property in flames, destroying everything in its path. Home fires devastate properties and often happen without warning. Homeowners can benefit to understand what fire coverage they have in their homeowners insurance in Antioch, CA so that they are better prepared if the worst does happen.


Typically, fire damage is included in standard homeowners insurance policies. Your home insurance policy will help to pay for damage to your property and belongings if it is the result of a fire. Keep in mind that although home insurance provides broad fire coverage, if a house has been intentionally set on fire by the homeowner, the policy will not pay out.


Your home policy will help to repair or replace property and belongings that were damaged in the fire. It will also help to cover additional living expenses if you need to temporarily live elsewhere while your home is being repaired. These additional living expenses can help to cover the cost of hotel rooms, restaurant meals, and other costs that come with living away from home.


If your car is destroyed by a fire, you may not be able to turn to your home insurance for help. Instead, you will need to consult your car insurance policy, specifically the comprehensive portion of your policy. If you only took out liability auto insurance coverage, damage to your car from a fire will not be covered. This means that you will be responsible for the expense of repairing or replacing your fire-damaged vehicle.


When you’re ready to secure a quality homeowners insurance policy, talk to the friendly experts at Jack Stone Insurance Agency. We serve Antioch, Brentwood, and surrounding cities in California. Contact us today to get started!

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