Coverage depends on your insurer and location. Some policies include wildfire damage, while high-risk areas may require additional coverage or higher premiums.
Policies typically cover damage to your home, detached structures, and personal belongings. Loss of use coverage may also pay for temporary housing if your home is uninhabitable.
Many insurers limit coverage in high-risk areas. If private insurance is unavailable, state FAIR plans may provide an alternative, though they often come with higher costs and lower coverage limits.
The U.S. averages over 61,000 wildfires annually, impacting millions of acres. Climate change is increasing wildfire frequency and intensity, making proactive insurance planning essential.
Ensure safety, secure temporary housing, and contact your insurer to start the claims process. Keeping a home inventory and documenting damages can help expedite your claim.
Protect your home from unexpected wildfire damage with the right homeowners insurance. Ensure your property, belongings, and living expenses are covered. Get a quote and explore your options.